Why Are Home Insurance Premiums So High? 
That is a great question ! Insurance premiums are set based on a couple of things : The companies need to cover costs and make a profit ; The amount of coverage and risk involved in insuring you ; and the statistical risk of a claim and costs to rebuild in your area . It is really advisable to find an independent agent -LRB- one not tied to one brand name -RRB- , or to shop around to find the one that works best for you . If you would like some tips on how you can lower your premium amounts , please contact me , I 'll happily share them with you . Thanks for asking ! 