What Are Homeowners Insurance Rates Based On? 
Homeowners Insurance rates are based on ` RISK ' ! The risk is inclusive of the Reconstruction Value of the home , the age of the home , the geographic location of the home , the additional endorsements required by the customer and the deductible chosen . The first step is to calculate the reconstruction value , the next step is to select the requested endorsements and deductible and the third step is to qualify the home before generating the associated rate . Many carriers require the home to be within a certain distance of a fire station , fire hydrant and have protective features . Many carriers will not accept a home where certain animals known to have anaggressivetemperament reside . For a quote in AZ , CA , NV , you may obtain a quote at : WEBSITELINK For other States , you may wish to find a local agent to assist with a quote ! 