The first thing you’ll notice about home owners insurance is that no two prices are ever the same. That’s why comparison shopping is of prime importance and why you should avoid taking the first quote you are offered unless you KNOW it’s a good deal. That rarely happens. You’ll be asked a number of questions before being given a quote. Here are some things that could affect the price of your home insurance.
Where You Live Matters
Insurance providers take the location of the home into account when deciding your premium. A home in an area with relatively little crime will be assigned a lower rate than a comparable home in a high crime area. Insurance agents look at the number and types of claims in the area and even delve into police reports.