There are many factors that will determine how much you will pay for homeowners insurance. Some factors include: the coverage limit of your property, your selected deductible, your claims history, and additional factors.  Coverage Limit on Your Property: The amount of coverage you have on your property will have a direct affect on your premium. Your home, any other structures at your location, personal property, and land or other sturctures at separate locations should all be considered. Be sure to keep track of your personal belongings using our Inventory Home Check List.  Deductibles: You can select deductible options. If you pick a higher deductible, your premium may be lower. Keep in mind that if you do have a claim, this may mean paying more out of pocket before meeting your deductible. However, a lower deductible may mean you could have a higher premium.  Your Claim History: The price of homeowners insurance will be affected by your claims history. If you have had more claims, this is considered higher risk, which may mean your premiums could be higher up front. Other Factors: Different factors may impact your cost such as the age of your home, if you have a swimming pool, and your location relative to a fire department and water source.