But when you know how insurers determine your premium, you can work with those factors to lower your premium and say goodbye to expensive home insurance rates!

How Insurers Gauge Your Risk

When an insurance company determines your rates, they’re really determining your risk. And according to the Insurance Information Institute (I.I.I.), insurers consider some of the following to determine exactly that:

• Where your home is located. Living in high risk areas like the Gulf coast or in crime-riddled neighborhoods drastically increase the chances that your home will be significantly damaged, ruined, vandalized or stolen from.
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  s often go unquestioned by policyholders.

  But when you know how insurers determine your premium, you can work with those factors to lower your premium and say goodbye to expensive home insurance rates!

  How Insurers Gauge Your Risk

  When an insurance company determines your rates, they’re really determining your risk. And according to the Insurance Information Institute (I.I.I.), insurers consider some of the following to determine exactly that:

  • Where your home is located. Living in high risk areas like the Gulf coast or in crime-riddled neighborhoods drastically increase the chances that your home will be significantly damaged, ruined, vandalized or stolen from.
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    pensive home insurance rates!

    How Insurers Gauge Your Risk

    When an insurance company determines your rates, they’re really determining your risk. And according to the Insurance Information Institute (I.I.I.), insurers consider some of the following to determine exactly that:

    • Where your home is located. Living in high risk areas like the Gulf coast or in crime-riddled neighborhoods drastically increase the chances that your home will be significantly damaged, ruined, vandalized or stolen from.
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      g to the Insurance Information Institute (I.I.I.), insurers consider some of the following to determine exactly that:
      • Where your home is located. Living in high risk areas like the Gulf coast or in crime-riddled neighborhoods drastically increase the chances that your home will be significantly damaged, ruined, vandalized or stolen from.
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        isk areas like the Gulf coast or in crime-riddled neighborhoods drastically increase the chances that your home will be significantly damaged, ruined, vandalized or stolen from. It’s for this reason that you’ll pay more to insure your home in a high risk area.
      • The cost to build in your area. Some insurers will look at the construction costs in your area to see how much it would cost to rebuild your home if it were destroyed. The higher the construction costs are in your area, the higher the likelihood that you’ll pay for it in your home insurance rates.
      • The materials used to construct your home. Materials like brick and other stone tend to better withstand the high winds that come with tornadoes and hurricanes. If your home is constructed (or partially constructed) from these materials, you’ll probably see a dip in your homeowner’s