There are several factors that affect the premium you’re going to pay when you’re purchasing a home insurance contract.

One of the factors is the actual condition of the house: you’ll get a proportionally better quote if the house is new because it’s less likely to have issues.

They will inspect the major parts that could cause a claim such as the roof or the condition of the wires.

Obviously the type of home influences the quote you’re going to get: insuring a villa will cost you more than a standard home.

Having a retiree that lives in the house can get you a discount because he/she would notice fires when you’re at work, and thieves would be discouraged knowing that someone is in the house all day long.

If you smoke, or any other person that lives in your house smokes, you’re going to pay something more because the risk of fire is higher.

The factor that major influences your price is obviously the amount you want to be covered for, the higher the coverage is, the higher your promium will be.

Consider that you can significantly lower your premium choosing a higher deductible: make sure to ask the insurance agent about this and evaluate how much would be the best choice for you.

Other really important factors are the presence of an alarm system, better if connected to the police, a fire detection system, window locks and even the distance from the nearest fire station.

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