Why Are Home Insurance Premiums So High? 
I am not sure where you live , but that can certainly be one of many factors when companies are pricing their Homeowners ' products . Keep in mind that premiums reflect risk . I 'll give you an example . For companies who are still offering Homeowners Insurance here in CT , it is likely that if your home is located down in areas that are closer to Long Island Sound , you will pay more than you would if you were located in the Litchfield hills . Why ? Because of the increased risk caused by potential windstorms and Hurricanes toward the coast vs inland . There are a number of factors , I have illustrated just one . Talk to your Insurance Professional about your policy and what discount options you might be able to enjoy that can help to manage costs for you . 