What Affects Home Insurance Premiums? 
Several factors are used to calculate homeowners insurance . Some of the major factors are type of home , territory , claim history , credit -LRB- yes , several states are using personal credit as a rating factor . -RRB- . 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 . 