What Is An Annual Premium For Home Insurance? 
Talk to your Insurance Professional about coverage options available to you . Share all of the specifics or your home that are important for them to know including construction type and style of your home , it 's age and any special elements that need to be considered like a finished basement , kitchen or bathroom upgrades , fire or burglary alarm systems etc. . They should compolete a comprehensive reconstruction cost analysis in order to determine the recommended amount of coverage for your home . That dwelling amount will be the primary determining factor in the premium needed to cover your home . Talk to your Insurance Professional about deductible options and other discounts that are available in order to best manage that cost . 