What affects home insurance prices?
• Type of Construction: Frame houses usually cost more to insure than brick. • Age of House: New homes may qualify for discounts. Some insurance companies offer limited coverage or may not insure older homes. • Local Fire Protection: The number of fire hydrants and fire departments and the availability of water are some factors that determine your area’s fire protection class. If you reside in an area without fire protection, you will pay more for fire insurance.