Who Has The Most Affordable Homeowners Insurance? 
There is no such thing as who has the most affordable homeowners insurance or any insurance for that matter . Insurance companies base rates on many different criteria which can and do include home characteristics , location and the individuals who own the home . Your next door neighbor may use one company but that very same company may not be the best option for you . My suggestion is always consult with a local independent agent who works with multiple insurance companies . An independent agent would be able to look at all the different options to find what is best for your needs . After all , do n't we all want the best coverage at the most affordable premium . 