Homeowners in Springfield, MO, pay an average homeowner’s insurance of $985 per annum. Vhome’s in-depth analysis reveals that Springfield homeowners can save up to $384 by making use of discounts provided by home insurance companies.

Home insurance companies tend to provide discounts to homeowners based on the age of homes. Newly constructed Springfield homes can avail discounts of up to $217 on home insurance rates. On the other hand, Springfield homes older than 50 years can increase home insurance rates by up to $47.

Home insurance rates of Springfield homes vary between $847 to $955, depending on the home construction type. Springfield homeowners can get discounts of $138 and $99, respectively, on homes constructed using fire-resistant and superior materials. Masonry and brick homes earn a discount of $49 each, while homes with hail resistant roof get a $30 discount.

Home insurance companies provide discounts based on the career choices of homeowners. Homeowners employed in federal agencies, educational institutions, active and retired army personnel can avail substantial discounts on home insurance discounts. Senior residents in Springfield also receive discounts of up to $146 on homeowners insurance.

The property crime rate of Springfield is 89.33 per 1,000 residents, which is higher than the average property crime rate in the country. Home insurance companies tend to provide discounts to houses equipped with security systems. Also, Springfield homes located close to fire stations and police departments get discounts of $30 and $19, respectively.

Homeowners who have a claims-free history can avail substantial discounts on home insurance rates. On the other hand, home insurance rates in Springfield can increase by up to $414 based on the type and number of claims filed by homeowners.