What Factors Affect The Cost Of Home Insurance? 
Several factors impact the cost of your homeowner insurance . Insurance companies can take into consideration all of the following criteria : Insureds age , insurance score , policy type , claims history , supporting policies , coverage limits , age of the home , location , protection class , home updates , your deductible -LRB- s -RRB- , replacement cost or actual cash value on your limits , etc. . . As you can see , there are many variables that are taken into consideration . And for what it 's worth , I would use price as only one factor when considering what insurance policy or agent to go with . If you have five agents/companies quote your insurance , I guarantee you 'll have five different quotes . Not all policies are created equal and it is important to understand what value you are getting for your money . 