Whether you need a home insurance policy for a new home or you’ve decided to switch to a new policy for better pricing or coverage, we would recommend getting a home insurance quote first. That way, you can know exactly what to expect from your insurance policy from the beginning. We at Curtis Helms Insurance can help you with that and provide tailored home insurance quotes according to your situation.
Here are a few factors that often impact home insurance quotes:
- Property age. The age of your home can affect home insurance quotes. This is because insurance costs are often based on risk to the insurer. An older home is considered riskier because it is more likely to require more repairs and tune-ups than a newer home. Your insurance quote may seem higher as a result.
- Location. Another potential factor that could determine home insurance quotes is the location of the home. When determining a quote, we will look at the proximity of the home to the local fire house and fire hydrant. We might also look at the type of neighborhood for its location and whether it has a positive or negative crime rate that could impact the cost of your insurance.
- Property value. The value of the home may also be a factor in home insurance quotes. A home with a higher value may require more expensive materials for repairs and replacements. This could potentially correlate to higher insurance costs.
There are many factors that go into home insurance quotes, but we will always work hard to help you understand the policies and discounts available. You can give us a call if you would like to learn more.