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

• The square footage of the house and any additional structures.
• Building costs in your area
• Your home's type of construction, materials and features.
• Amount of property crime in your neighborhood.
• The likelihood of damage from natural disasters associated with your area such as wildfires and windstorms.
• 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 the plumbing, heating and electrical system.