Although the biggest factor in shaping your homeowners insurance is the least controllable (what state you live in). It can be controlled by comparing homeowners insurance quotes online. You can't control the fact that California sits on the San Andreas Fault and thus is prone to earthquakes, or that Florida is on the Atlantic coast and is a hotbed for tropical storms. You can, however, control some other important factors.
For example, if you live in a neighborhood with a low crime rate then you can save on your insurance. If you live in a neighborhood with a high crime rate you can buffer that negative with some positives like installing deadbolt locks, motion sensor lights, and a security system.
Don't forget the number one cause of home damage: house fires. This is a massively important factor in the eyes of insurance companies and greatly shape the typical homeowners insurance rates in your area. Installing smoke detectors, having fire extinguishers handy, and not smoking in your house are important ways to lower your risk.
Visit InsuranceAgents.com today to find typical homeowners insurance rates in your area and learn ways to lower your risk and lower your rates.
# # #
InsuranceAgents.com provides consumers with access to insurance information including articles, quotes, and comparisons.