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Type of Construction: Frame
houses usually cost more to insure than brick.
Age of House: New homes may
qualify for discounts. Older homes may not qualify for
preferred programs. Older homes are usually required
to have updated heating, plumbing, wiring and roofing.
Local Fire Protection: Your
home’s distance from a fire hydrant and the quality
of your local fire department determine your fire protection
class.
Amount of Coverage: The amount
of coverage you buy for your house, contents and personal
liability will affect the price you pay.
Deductible Amount: Your choice
of a higher deductible will reduce the price for homeowners
insurance.
Discounts: Insurers offer lower
prices for such things as insuring your home and car
with the same company and installing dead-bolt locks
or alarm systems.
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