What Factors Affect Homeowners Insurance? 
The basic rate is computed by evaluating a standard home . Anything in your home that is different affects your individual premium . Some common considerations include how close is the house to the seashore , a river , or a hillside ? Is the house being properly maintained ? Are there dangerous objects on the property such as derelict cars , trampolines or unfenced swimming pools ? Has the house been the subject of recent claims ? These and other items indicate to an underwriter that this home is different from the standard home . 