What Factors Affect Homeowners Insurance? 
Talk to your iInsurance Professional about your specific needs , but in general , there are a few basic factors that will affect both coverage and pricing on a Homeowners ' policy . After an accurate address and location , probably the most obvious , is the dwelling coverage amount . This can be determined accurately by completing a Reconstruction Analysis . Once the dwelling amount is established , other factrrs are included namely proximity to a hydrant and fire services , age of the dwelling , additional security elements like alarm systems etc. . Pricing is also affected if you insure your cars with the same company because some nice discounts may apply . 