What Affects Home Insurance Premiums?

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September 20, 2013

Ryan Andrew

Several factors are used to calculate homeowners insurance. Some of the major factors are type of home, territory, claim history, credit (yes, several states are using personal credit as a rating factor.). The best way to shop for home insurance is with an independent agent. Why? Because independent agents have access to several different companies, not just one, and they can compare plans and explain the difference between each. When it comes to home insurance, one policy does not fit all so you want to make sure you get the policy you need.

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