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Homeowners Basics

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Buying and Saving Money

How much homeowners insurance do I need?

How much will it cost

How do I pick an insurance company?

How do I get the proper coverage?

Why insurance costs so much?
How much will it cost?

Do I need separate coverage for jewelry?

How can I save money?

How do I maximize my savings?

What information do I need to provide to my agent?

What if I can't get coverage?

How often should I review my policy?

Should I purchase an umbrella liability policy?

How do I value my home properly?

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Help! I have to file a claim

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Home Insurance - How much will it cost?

 
There are many factors an insurance company uses to determine the price of your policy:
  • The square footage of the house and any additional structures.
  • Building costs in your area.

  • Your home's construction, materials and features.

  • Amount of crime in your neighborhood.

  • The likelihood of damage from natural disasters, such as hurricanes and hail storms.

  • The proximity of your home to a fire hydrant (or other source of water) and to a fire station, whether your community has a professional or volunteer fire service and other factors that can affect the time it takes to put out fires.

  • The condition of the plumbing, heating and electrical system.

If you rent your home or own a condo or co-op, your insurer will not consider the size of the dwelling or building costs. However, the insurance company will take into account factors that make damage to your possessions more likely.

 

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