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What factors affect home insurance costs?

I’m a first-time homeowner and my mortgage lender requires me to carry home insurance. While shopping for home insurance, I’ve received a range of quotes. What factors affect the cost of home insurance?

avatar
Talullah Blanco · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on your new home! Buying a home is an investment, and you’ll want to protect it from potential damage with
home insurance
. The national average annual cost of home insurance is $1,312, but you could end up paying more or less depending on several variables.
Insurance companies determine your home insurance rates by several factors, including:
  • Where you live
  • The price of your home and the cost to rebuild it
  • Your credit and claims history
  • The age and condition of your home
  • Your policy deductible
Each insurance company has its own algorithm that weighs these factors differently to determine your
home insurance quote
. Compare quotes and discounts from several different insurance companies before you settle, or let Jerry do it for you.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. Jerry pulls quotes from the nation’s top providers for free.
MORE:
How to choose the right kind of home insurance for you
Homeowners InsuranceInsurance Shopping
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