A homeowners' insurance policy will vary depending on the different elements involved. If they have amassed a collection of valuables or have investments to protect, their policies may be more costly. Senior discounts, however, can bring the costs of their policies back in line with what others may pay. Shopping around to find the best possible coverage is essential no matter what your age. It gives you an opportunity to find an agent you can trust who is willing to work with you when it comes to meeting your needs.