{"id":22730,"date":"2025-12-23T21:26:58","date_gmt":"2025-12-23T21:26:58","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22730"},"modified":"2025-12-23T21:27:03","modified_gmt":"2025-12-23T21:27:03","slug":"factors-that-impact-your-cost-of-homeowners-insurance","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22730","title":{"rendered":"Factors That Impact Your Cost of Homeowners Insurance"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<p>Home insurance is a highly personalized product, and what you pay will depend on rating factors that are personal to you, including your home characteristics, location and even marital status (in most states). The average cost of home insurance is $2,424 per year as of November 2025, but knowing what home insurance companies look at when determining your rate can help you better understand your home insurance quotes, and may even help you to lower your premium.<\/p>\n<h2 id=\"factors-that-affect-the-cost-of-home-insurance\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Factors that affect the cost of home insurance\" data-outcome=\"\">Factors that affect the cost of home insurance<\/h2>\n<p>Some rating factors for home insurance are specific to you as a homeowner, while others have more to do with your home\u2019s physical structure or the location. Your policy specifics will also factor into how much you pay for coverage. Overall, <u>home insurance rates<\/u> are a calculation of risk. If your insurance company sees you as more likely to file a claim or experience a loss due to a covered peril, you\u2019ll likely pay more than average.<\/p>\n<h3>Location<\/h3>\n<p>Your state and even your ZIP code may influence the amount you pay in home insurance premiums. If your house is located in an area with a history of losses, such as vandalism, theft or weather-related events, you may see a higher rate. For instance, if you live in an area prone to tornadoes, you might pay more. The average cost of home insurance in Oklahoma is $4,695 per year, while the average cost in Alaska is $1,035 for the same amount of dwelling coverage.\u00a0<\/p>\n<p>Location also impacts the replacement cost of your home, since construction costs, including labor and materials, may vary depending on the region.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-you-could-save', 'heading-how-you-could-save']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-you-could-save')\" :aria-controls=\"$id('panel-how-you-could-save')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How you could save<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-you-could-save')\" :aria-labelledby=\"$id('heading-how-you-could-save')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            If you are able to choose where you live, consider checking resources such as First Street or Climate Check before you begin your search to assess the regional risks in any area that looks appealing. Even if you are moving to a location determined by work or some other factor, it\u2019s possible to save money by looking at localized risks, such as flooding potential, for example, to concentrate your search on homes that are on higher ground, offering a lower risk of flood damage.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h3>Dwelling coverage<\/h3>\n<p><u>Dwelling coverage<\/u> is the portion of your homeowners insurance policy that covers your home\u2019s physical structure. Insurance companies and licensed agents have valuation tools that help calculate dwelling costs. An insurance agent \u2014 or online quoting tool \u2014 will likely ask you questions about your home to determine how much it might cost to rebuild. Be prepared to answer questions about the age of your home and major systems (HVAC, plumbing, electrical), the roof age and condition, the type of building materials used, the square footage and even the unique features of your home, such as dormers or architectural characteristics. These <u>home valuation calculators<\/u> are proprietary and each company has its own algorithms, so the rebuilding cost of your home will vary between providers.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-you-could-save', 'heading-how-you-could-save']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-you-could-save')\" :aria-controls=\"$id('panel-how-you-could-save')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How you could save<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-you-could-save')\" :aria-labelledby=\"$id('heading-how-you-could-save')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>While you could technically lower your dwelling limit for a cheaper rate, most home insurance experts recommend against this approach. Opting for minimal home insurance could leave you underinsured and vulnerable to a substantial financial loss if and when your home sustains damage. Plus, your dwelling limit is an important baseline for other policy limits, as many other coverages are set as a percentage of your dwelling coverage. You can compare average rates for different dwelling limits in the table below.<\/p>\n<p>\u00a0<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"Table Table--text Table--spacing1 Table--stripedOdd wrapped\">\n<tbody>\n<tr>\n<td><b>Dwelling coverage limit<\/b><\/td>\n<td><b>*Average home insurance rate<\/b><\/td>\n<\/tr>\n<tr>\n<td>$150,000<\/td>\n<td>$1,459<\/td>\n<\/tr>\n<tr>\n<td>$300,000<\/td>\n<td>$2,424<\/td>\n<\/tr>\n<tr>\n<td>$350,000<\/td>\n<td>$2,740<\/td>\n<\/tr>\n<tr>\n<td>$450,000<\/td>\n<td>$3,374<\/td>\n<\/tr>\n<tr>\n<td>$750,000<\/td>\n<td>$5,254<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><em>*Average rate based on policies with $300,000 dwelling coverage.<\/em><\/p>\n<p>\u00a0<\/p>\n<p>If you are renovating or upgrading your home, it may be a good idea to keep in mind how these renovations may affect your insurance costs. For example, upgrading your home\u2019s electrical system may offer you a cheaper premium or make you eligible to shop with more property insurance companies. On the other hand, finishing your basement or building an in-ground swimming pool is likely to increase your insurance costs because it increases the replacement cost value of your home. In either case, make sure to keep your insurance company up to date on any renovations you make to help avoid headaches if you need to file a claim in the future.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h3>Credit history<\/h3>\n<p>In all states except California, Maryland and Massachusetts, insurers can use a homeowner\u2019s <u>credit-based insurance score<\/u> as a rating factor when assessing the level of risk they are taking on. A higher credit-based insurance score is associated with lower risk by insurers. Insurance industry actuarial data shows that homeowners with poor credit histories are more likely to file claims than homeowners who have good or excellent credit.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-you-could-save', 'heading-how-you-could-save']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-you-could-save')\" :aria-controls=\"$id('panel-how-you-could-save')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How you could save<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-you-could-save')\" :aria-labelledby=\"$id('heading-how-you-could-save')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>Building credit can take time, but the home insurance savings could be worth it in the long term. Based on our analysis of rate data from Quadrant Information Services, moving from a poor to an average credit tier could save you an average of $1,389 per year.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"Table Table--text Table--spacing1 Table--stripedOdd wrapped\">\n<tbody>\n<tr>\n<td><b>Credit tier<\/b><\/td>\n<td><b>Average home insurance rate<\/b><\/td>\n<\/tr>\n<tr>\n<td>Poor<\/td>\n<td>$5,122<\/td>\n<\/tr>\n<tr>\n<td>Average<\/td>\n<td>$2,601<\/td>\n<\/tr>\n<tr>\n<td>Good<\/td>\n<td>$2,424<\/td>\n<\/tr>\n<tr>\n<td>Excellent<\/td>\n<td>$2,160<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>\u00a0<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h3>Claims history<\/h3>\n<p>Insurance companies often take previous claims filed within a certain time frame into consideration when calculating your rate. When a homeowner files a claim, their <u>homeowners insurance company<\/u> generally assumes they are more likely to file future claims \u2014 potentially even for the same reason. Having a history of <u>filing insurance claims<\/u>, even small ones, might indicate an even greater future claims risk for the insurance company.<\/p>\n<p>Insurers may assess your personal claims history at current and prior properties. What that means is that even if you\u2019re insuring a new home, your prior claims history from other homes will be visible to insurance companies for up to seven years on your <u>Comprehensive Loss Underwriting Exchange (CLUE)<\/u> report and will likely affect your premium on your new house. The CLUE database also includes claims filed that may have been denied by your insurer.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-you-could-save', 'heading-how-you-could-save']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-you-could-save')\" :aria-controls=\"$id('panel-how-you-could-save')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How you could save<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-you-could-save')\" :aria-labelledby=\"$id('heading-how-you-could-save')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>Filing a claim will usually increase your premium. Below, we\u2019ve broken down how average rates were affected by different home insurance claims:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"Table Table--text Table--spacing1 Table--stripedOdd wrapped\">\n<tbody>\n<tr>\n<td><b>Claim type<\/b><\/td>\n<td><b>Average home insurance rate after claim<\/b><\/td>\n<td><b>Difference from national average<\/b><\/td>\n<\/tr>\n<tr>\n<td>$80,000 fire loss<\/td>\n<td>$2,561<\/td>\n<td>+$137<\/td>\n<\/tr>\n<tr>\n<td>$31,000 liability loss<\/td>\n<td>$2,565<\/td>\n<td>+$141<\/td>\n<\/tr>\n<tr>\n<td>$5,000 theft loss<\/td>\n<td>$2,574<\/td>\n<td>+$150<\/td>\n<\/tr>\n<tr>\n<td>$12,000 wind loss<\/td>\n<td>$2,548<\/td>\n<td>+$124<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>As a rule of thumb, most insurance experts recommend not filing a claim if the repair estimate is close to or less than your deductible. That way, you can avoid a surcharge on your premium and potentially save more in the long run. When in doubt about filing a claim, insurance professionals recommend discussing it with your insurance agent to help determine if you should move forward.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h3>Marital status<\/h3>\n<p>Whether you\u2019re a <u>first-time home buyer<\/u> or have owned a home for many years, your marital status may impact your homeowners insurance rates. Insurers typically charge lower rates to married couples because statistical data shows a lower probability of filing claims compared to unmarried homeowners. However, marriage is prohibited as a rating factor in Hawaii or Massachusetts.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-you-could-save', 'heading-how-you-could-save']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-you-could-save')\" :aria-controls=\"$id('panel-how-you-could-save')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How you could save<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-you-could-save')\" :aria-labelledby=\"$id('heading-how-you-could-save')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Some companies offer a discount for just-married couples, which can help homeowners who are starting their lives together save on a policy for their home.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<h3>Age of home<\/h3>\n<p>If you live in an older home, you will likely pay a higher home insurance premium. The older the house, the more likely it is that aging construction materials could lead to damage to key components, such as electrical, plumbing or roofing. Older homes may need to be brought up to code as part of the rebuilding process, so you may want to consider adding ordinance or law coverage as part of your homeowners insurance policy.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-you-could-save', 'heading-how-you-could-save']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-you-could-save')\" :aria-controls=\"$id('panel-how-you-could-save')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How you could save<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-you-could-save')\" :aria-labelledby=\"$id('heading-how-you-could-save')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<div class=\"w-full overflow-x-auto\">\n<table class=\"Table Table--text Table--spacing1 Table--stripedOdd wrapped\">\n<thead>\n<tr>\n<th><strong>Construction year<\/strong><\/th>\n<th><strong>Average home insurance rate<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1959<\/td>\n<td>$3,285<\/td>\n<\/tr>\n<tr>\n<td>1982<\/td>\n<td>$3,314<\/td>\n<\/tr>\n<tr>\n<td>1992<\/td>\n<td>$3,291<\/td>\n<\/tr>\n<tr>\n<td>2010<\/td>\n<td>$2,814<\/td>\n<\/tr>\n<tr>\n<td>2020<\/td>\n<td>$2,182<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h3>Deductible<\/h3>\n<p>A <u>homeowners insurance deductible<\/u> sets the amount you are financially responsible for after you file a claim. Agreeing to a higher deductible may decrease your premium, but it could also cost you more out of pocket. Some insurers offer diminishing deductibles on your home policy.<\/p>\n<p>In Atlantic and Gulf Coast hurricane-prone states, homeowners may have a separate deductible for <u>wind damage<\/u> caused by named storms. Similarly, in tornado-prone states, homeowners may have a separate deductible for wind and hail damage.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-you-could-save', 'heading-how-you-could-save']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-you-could-save')\" :aria-controls=\"$id('panel-how-you-could-save')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How you could save<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-you-could-save')\" :aria-labelledby=\"$id('heading-how-you-could-save')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>Increasing your deductible(s) could reduce your monthly premium, but this strategy should be approached with caution. It can be tempting to raise your deductible to the maximum your insurance provider offers to secure a lower premium, but this amount comes back around when you need to file a claim. Generally, most insurance agents and experts suggest you keep your deductible to a level you can reasonably afford to pay out of pocket at a moment\u2019s notice.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"Table Table--text Table--spacing1 Table--stripedOdd wrapped\">\n<tbody>\n<tr>\n<td><b>Deductible<\/b><\/td>\n<td><b>Average home insurance rate<\/b><\/td>\n<\/tr>\n<tr>\n<td>$1,500<\/td>\n<td>$2,366<\/td>\n<\/tr>\n<tr>\n<td>$2,000<\/td>\n<td>$2,212<\/td>\n<\/tr>\n<tr>\n<td>$5,000<\/td>\n<td>$1,989<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h3>Endorsements<\/h3>\n<p>Endorsements are additional coverages you can purchase to amend your home insurance policy, which provide broader coverage than what is typically included in a standard home policy. You can buy endorsements for valuable pieces of personal property, like jewelry, or to add more protection for your home. Water backup coverage, service line coverage and ordinance or law coverage are some other common ones. The more coverage you purchase from your insurance company, the greater level of financial protection you\u2019ll have \u2014 though at a higher premium.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-you-could-save', 'heading-how-you-could-save']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-you-could-save')\" :aria-controls=\"$id('panel-how-you-could-save')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How you could save<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-you-could-save')\" :aria-labelledby=\"$id('heading-how-you-could-save')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            It\u2019s important to review your policy before your renewal and make sure you need all of the coverage you pay for. If you purchased a home business endorsement but have set up shop outside your home, you might not need that endorsement anymore. Reviewing your policy with a licensed insurance agent can help you determine which endorsements you need, and which may not be necessary on your policy.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<h2 id=\"surprising-factors-that-impact-your-home-insurance-rate\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Surprising factors that impact your home insurance rate\" data-outcome=\"\">Surprising factors that impact your home insurance rate<\/h2>\n<p>Though the factors above relating to a home\u2019s construction and replacement cost, claims history and the insured\u2019s credit-based insurance score are typically the most significant, there are other factors considered in setting rates that may surprise you.<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Type of home insurance policy:<\/strong> There are several different <u>types of home insurance<\/u> available, which differ in terms of benefits, perils covered, cost and kinds of homes that qualify for coverage. Some policies insure your home and property at actual cash value (ACV), while others use <u>replacement cost value (RCV)<\/u>. Usually, the more coverage you have, the more you\u2019ll pay in premiums.<\/li>\n<li>\n<strong>Distance from water:<\/strong> \u201cFlood zones play a key role in whether or not you <u>need flood insurance<\/u>,\u201d says Sean Harper, CEO and co-founder of Kin Insurance. \u201cIf you have a federally-backed mortgage, like an <u>FHA loan<\/u> and your home is in a high-risk flood zone, you\u2019re required to have flood insurance.\u201d<\/li>\n<li>\n<strong>Distance from a fire station:<\/strong> Wherever you live, the premiums you pay for home insurance are likely to be impacted by the proximity of your home to a fire department and fire hydrant. The closer you are to a fire station and hydrant, the greater the likelihood a fire can be quickly extinguished and severe damage or complete destruction of your home averted. The insurance industry generally uses the Fire Suppression Rating Schedule (FSRS) from the <u>Insurance Services Office (ISO)<\/u> to determine your home\u2019s fire risk.<\/li>\n<li>\n<strong>Pet breeds:<\/strong> Having pets, especially certain <u>dog breeds<\/u> and exotic animals, may also impact your rates or even your eligibility with some companies. \u201cSome companies will simply raise your rates to account for the increased \u2018bite risk,\u2019\u201d says Harper. \u201cEven if your dog isn\u2019t a \u2018restricted breed\u2019, a bite history could also impact your rate or ability to get coverage.\u201d However, if you are disabled and have a service animal or emotional support animal with specialty training, discuss this with your agent or provider to see if a lower cost or discount will apply.<\/li>\n<li>\n<strong>Attractive nuisances:<\/strong> If you have attractive nuisances or items on your property like a <u>pool<\/u> or <u>trampoline<\/u> that could be potentially dangerous and appealing \u2014 especially to children \u2014 you will likely see higher homeowners insurance costs or eligibility restrictions. Many home insurers will not insure your property if you have a trampoline or a diving board for your swimming pool. You may also have to install secure barriers, such as an automatic locking gate around your swimming pool or have a certain fencing height to decrease your liability risk.<\/li>\n<li>\n<strong>Home protective systems and devices:<\/strong> Having smoke detectors, a doorbell camera or a security system may help reduce the chance of filing a claim and in turn generate a discount to lower your premium.<br \/>This is just a snapshot of some of the additional factors that affect your home insurance rates. However, insurers consider multiple pieces of information that may affect homeowners insurance premiums, including ones that might not be mentioned.<\/li>\n<\/ul>\n<div class=\"BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0\">\n<blockquote class=\"BlockQuote-text text-center md:text-left\"><p>\n        <q>As a homeowner, try to focus on the rating factors that you can control, not the ones you can\u2019t. You may pay more for insurance if the prior owner put in several claims on the home or if you live more than five miles away from a fire station. However, talk to your agent about what kind of safety features you can install to help offset some of those costs.<\/q><br \/>\n                    <cite class=\"PullQuote-cite text-gray-900 ml-0 md:ml-4\"><br \/>\n                \u2014 Shannon Martin, Bankrate Insurance Analyst<br \/>\n            <\/cite>\n            <\/p><\/blockquote>\n<\/div>\n<h2 id=\"how-does-owning-or-financing-a-home-impact-my-premium\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-should-i-lower-my-coverage-to-lower-my-home-insurance-rates', 'heading-should-i-lower-my-coverage-to-lower-my-home-insurance-rates']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-should-i-lower-my-coverage-to-lower-my-home-insurance-rates')\" :aria-controls=\"$id('panel-should-i-lower-my-coverage-to-lower-my-home-insurance-rates')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Should I lower my coverage to lower my home insurance rates?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-should-i-lower-my-coverage-to-lower-my-home-insurance-rates')\" :aria-labelledby=\"$id('heading-should-i-lower-my-coverage-to-lower-my-home-insurance-rates')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            If your home insurance seems too high, you might be able to lower your rates by reducing your coverage. However, before you adjust your coverage, ensure that you have enough financial security to pay for any out-of-pocket expenses you might face if your policy doesn\u2019t cover a loss. You may want to speak with an insurance agent to find other ways to save on your policy or compare rates from other providers before you reduce your coverage.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-if-i-make-updates-to-my-home-will-it-lower-my-premiums', 'heading-if-i-make-updates-to-my-home-will-it-lower-my-premiums']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-if-i-make-updates-to-my-home-will-it-lower-my-premiums')\" :aria-controls=\"$id('panel-if-i-make-updates-to-my-home-will-it-lower-my-premiums')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    If I make updates to my home will it lower my premiums?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-if-i-make-updates-to-my-home-will-it-lower-my-premiums')\" :aria-labelledby=\"$id('heading-if-i-make-updates-to-my-home-will-it-lower-my-premiums')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Making renovations to your home may lower your homeowners insurance premiums, but it typically depends on the updates, the insurance company you insure your home with and your policy specifics. For example, putting a new roof on your home could lower your premium, but remodeling your home could also increase your premiums. If your heating, electrical or plumbing systems are older, you may get access to a lower premium by upgrading them to new systems. To find out what improvement can potentially lower your home insurance premiums, it may be helpful to contact your insurance company or speak with a captive or an independent insurance agent.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-does-owning-or-financing-a-home-impact-my-premium', 'heading-how-does-owning-or-financing-a-home-impact-my-premium']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-does-owning-or-financing-a-home-impact-my-premium')\" :aria-controls=\"$id('panel-how-does-owning-or-financing-a-home-impact-my-premium')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How does owning or financing a home impact my premium?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-does-owning-or-financing-a-home-impact-my-premium')\" :aria-labelledby=\"$id('heading-how-does-owning-or-financing-a-home-impact-my-premium')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Your home financing status itself doesn\u2019t impact your premium, but your credit history does in most states. Additionally, if your mortgage lender is requiring you to carry higher coverage limits or additional coverage types, this will increase your premium. If you are financing your home, your mortgage lender is likely to require you to carry a certain level of home insurance. If you\u2019re in a flood zone, they will also probably require flood insurance. If you have a mortgage but no home insurance, your lender may resort to force-placed insurance, which can be more costly but offer less protection.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-is-hazard-insurance-for-a-home', 'heading-what-is-hazard-insurance-for-a-home']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-is-hazard-insurance-for-a-home')\" :aria-controls=\"$id('panel-what-is-hazard-insurance-for-a-home')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is hazard insurance for a home?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-is-hazard-insurance-for-a-home')\" :aria-labelledby=\"$id('heading-what-is-hazard-insurance-for-a-home')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Hazard insurance for your home refers to the portion of your policy that covers damage to your home\u2019s structure, or \u201cdwelling\u201d. Your mortgage company may request that you have dwelling coverage at a specific limit so that its financial interest is protected in the event of a coverage claim. The other parts of your home insurance policy, such as personal property and personal liability coverage, protect your personal financial interest as the homeowner, but these types of losses do not concern the lender.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-why-is-my-homeowners-insurance-so-high', 'heading-why-is-my-homeowners-insurance-so-high']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-why-is-my-homeowners-insurance-so-high')\" :aria-controls=\"$id('panel-why-is-my-homeowners-insurance-so-high')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why is my homeowners insurance so high?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-is-my-homeowners-insurance-so-high')\" :aria-labelledby=\"$id('heading-why-is-my-homeowners-insurance-so-high')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            With inflation and the changing insurance market landscape, many homeowners may ask, \u201cWhy is my home insurance so high?\u201d As it turns out, there are several factors driving up home insurance premiums, including the growing number of extreme weather events and natural disasters across the country. The rising cost of construction materials and labor is also contributing to higher premium prices. If you\u2019re unhappy with the current cost of your homeowners insurance, request quotes from a few other insurance companies to understand what you might pay for a different policy.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-is-the-best-home-insurance-company', 'heading-what-is-the-best-home-insurance-company']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-is-the-best-home-insurance-company')\" :aria-controls=\"$id('panel-what-is-the-best-home-insurance-company')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is the best home insurance company?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-is-the-best-home-insurance-company')\" :aria-labelledby=\"$id('heading-what-is-the-best-home-insurance-company')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>There isn\u2019t one specific home insurance company that\u2019s best for everyone. Instead, you\u2019ll need to consider a few factors, like your location, budget, coverage requirements and personal preferences. Once you\u2019ve determined your priorities, you can search for companies that meet those needs.<\/p>\n<p>For example, if cost is your biggest concern, you could consider buying from one of the companies on Bankrate\u2019s list of cheap homeowners insurance companies. Alternatively, if you want an insurer with a strong reputation among its customer base, you could check out J.D. Power\u2019s U.S. Home Insurance Study, which ranks insurers based on customer satisfaction.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h2 id=\"methodology\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Methodology\" data-outcome=\"\">Methodology<\/h2>\n<p>Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:<\/p>\n<ul class=\"wp-block-list\">\n<li>Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000<\/li>\n<li>Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000<\/li>\n<li>Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000<\/li>\n<li>Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000<\/li>\n<li>Coverage E, Liability: $500,000<\/li>\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n<p>The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.<\/p>\n<p>These are sample rates and should be used for comparative purposes only. Your quotes will differ.<\/p>\n<p><strong>Credit:<\/strong> Rates were calculated based on the following insurance credit tiers assigned to our homeowners: \u201cpoor, average, good (base) and excellent.\u201d Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.<\/p>\n<p><strong>Claims:<\/strong> Rates were calculated based on the following insurance claims assigned to our homeowners: \u201cfire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).\u201d<\/p>\n<p><strong>Year built:<\/strong> Rates were calculated based on the following years built for homes and assigned to our homeowners: \u201c1959, 1982, 1992, 2010, 2017 (base) and 2020.\u201d<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"qn8gUB5HOo\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/factors-that-impact-home-insurance-rates\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home insurance is a highly personalized product, and what you pay will depend on rating factors that are personal to you, including your home characteristics, location and even marital status (in most states). The average cost of home insurance is $2,424 per year as of November 2025, but knowing what home insurance companies look at<\/p>\n","protected":false},"author":1,"featured_media":22731,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22730","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Factors That Impact Your Cost of Homeowners Insurance | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Home insurance is a highly personalized product, and what you pay will depend on rating factors that are personal to you, including your home\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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