What Drives The Cost of Homeowners Insurance
Insurance companies consider many factors to determine the price of your policy including:

• The square footage of the house and any additional structures.
• Building costs in your area.
• The construction type of your home, materials and features.
• Level of property crime in your neighborhood.
• The likelihood of damage from natural disasters associated with your area such as wildfires, windstorms and sever winter weather.
• Your loss history (past claims).
• The proximity of your home to a fire hydrant (or other source of water) and the Fire Protection Class to your community. The lower the Protection Class, the better your fire protection is assumed to be.
• The condition of your home's plumbing, heating and electrical system.