Many things affect the cost of homeowners insurance, but here are a few to keep in mind:
- Type of Construction: Frame houses usually cost more to insure than brick.
- Age of House: New homes may qualify for discounts. Some insurance companies offer limited coverage or may not insure older homes.
- Local Fire Protection: The number of fire hydrants and fire departments and the availability of water are some factors that determine your area’s fire protection class. If you reside in an area without fire protection, you will pay more for fire insurance.
- Unfortunately, your claim history. The more claims, the higher the cost.
Contact us to see if you can save money on your insurance by speaking to a professional independent insurance agent at Journey Insurance.
Let us sift through the hundreds of insurance programs to find you the most competitive rates available. Let us do the paperwork while you spend your time doing something you actually enjoy!
Journey Insurance Agency * Irvine, California * 888.323.7480
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