How Much Should My Homeowners Insurance Be? 
When an insurance company develops rates for its various products , it takes many factors into consideration in order to come up with the proper rate that best reflects the risk it is being asked to insure . There are quite a number of factors of course , and in the case of Homeowners , several are the amount of coverage on the home , type and style of construction , it 's size , etc. . There are other considerations as well , such as a home 's proximity to coastal exposure in certain areas of the country . Additional items that affect a policy 's pricing include the home 's location in reference to fire services such as hydrants and fire departments . Talk to your Insurance Professional about your coverage options and do n't forget to ask about any discounts that may be available . 