You may pay less for insurance if you buy a house close to a fire hydrant or in a community that has a professional rather than a volunteer fire department.
It may also be cheaper if your home’s electrical, heating and plumbing systems are less than 10 years old.
If you live in the East, consider a brick home because it's more wind resistant.
If you live in an earthquake-prone area, look for a wooden frame house because it is more likely to withstand this type of disaster. Choosing wisely could cut your premiums by 5 to 15 percent.
We invite you to let our agency give a no-obligation review your current policy.