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Common Factors Affecting Your Insurance Rate

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    Our recent guide, what homeowners insurance covers, lists 13 surprising things that you would have never guessed you’re covered for! However, one is still let with the question of what factors are affecting your insurance rate? Common factors are crime, weather, home values, your neighborhood,  building materials of your home, your dog breed, type of stove, marital status, insurance score, proximity to a fire department, proximity to a coast, credit history, and your claims history!

     

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    Author

    • Neda Howell

      About Neda Howell

      Neda Howell plays a key role in managing Disaster Restoration and Specialty Cleaning services for both residential and commercial customers at ServiceMaster Restoration By Simons. With a professional background that includes 14 years as a Chicago Public Schools educator, Neda brings exceptional communication, organizational, and leadership skills to every aspect of the business.

      Neda oversees customer service, team coordination, and marketing communications, ensuring that clients receive timely, compassionate, and knowledgeable support throughout the restoration process. She also works closely with the disaster restoration team, stepping in to assist with field estimates, project documentation, and insurance claim coordination when needed.

      She is IICRC-certified in Water Damage Restoration (WRT), Fire and Smoke Restoration (FSRT), and Carpet Cleaning & Maintenance, combining technical expertise with a deep commitment to customer care.

      Her ability to bridge operations, customer relations, and restoration fieldwork makes her an invaluable part of the ServiceMaster By Simons leadership team.

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