Monthly premiums for homeowners' insurance are calculated by each insurer differently, but they all generally base the rates on the same factors. The most important factors include the size of your home, the area's crime rate, history of natural disasters, and your credit report. These same factors are considered when you renew your policy as well. Since different insurance agencies set their own rates, it's advantageous to shop around and compare various plans.
To get the absolute best insurance rates, you need to contact the experts and discuss your needs. Provide an inventory list of all your valuable items so that they are documented for value in case you need to file a claim. Discuss various scenarios with your insurer that might need coverage to have a clear understanding of what to expect in case you file a claim so that you won't be surprised by policy limitations after a disaster occurs.