Why Is Homeowners Insurance Cheaper Than Car Insurance? 
Great question ! The insurance industry is all about risk . The greater the chance that something bad will happen , and you have to file a claim , the higher the cost . Your chances of getting into an accident or having damage done to your car is greater than your risk of your home being destroyed by a tornado , for example , so your premiums are less on your home . Your driving habits can also make that premium be higher than it might be , if you are ticket or accident prone . If you have more questions , just contact me , I 'll be happy to help . Thanks for asking ! 