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!
