How Much Can I Expect To Pay For Homeowners Insurance? 
Home insurance is based on many factors including your `` insurance based credit score '' , what state you reside , location to perils like hurricanes , prior claims history , type of home -LRB- brick or frame -RRB- , your deductible , year built and the age of the homes roof and furnace/air conditioning system . Typically , you save between 20-25 % when you combine home and auto with the same company . Call your local independent agent so they can shop multiple carriers at once saving you time and money . 