As with all insurance varieties, there are many factors which determine how much home insurance will cost you. First of all, the more expensive the home and/or contents, the more your premiums will cost. Certain geographic areas are higher risk areas than other areas, and this too may affect how much your premiums are going to run, but often these are intangibles that are different with different insurance companies for different areas. For instance, Company A may charge more for home insurance in CA, but less in NY, while Company B may have exactly opposite rates for those regions, based entirely on that company's experiences and profits/losses geographically. Some companies look at your credit rating in determining your rates, while others do not take that into consideration at all. Credit score will affect most insurance rates. Click here to learn about your credit score.

As with any insurance purchasing decisions, it is best to get quotes from several companies before deciding which one is best for you.  Just make sure you are comparing apples to apples and oranges to oranges. If you are in doubt, or confused, get the contact information that includes the phone numbers and CALL AND ASK QUESTIONS. The customer service departments are there for a reason, and you deserve to have the very best coverage available for your family with something as important as effect and adequate home insurance.