Buying homeowner’s insurance can be a bit complicated if you don’t understand how certain risk factors affect policy rates.
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Just ask Joel Laucher, a deputy commissioner with the California Department of Insurance, who says policy rates can rise or fall depending on all sorts of surprising variables.
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“Anything that adds risk has the possibility of increasing the rate or having [the home] not be eligible for coverage,” Laucher says. “There may be exclusions, surcharges, or a denial of the policy.
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Do you wonder what unusual risk factors could affect your home insurance? We provide examples – and solutions – on how you could reduce your rates.
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Reason #1: Your Home’s Location is Vulnerable to Natural Disasters
Wildfires, mudslides, and – let’s not forget – earthquakes can be a threat to many homeowners.
Read more: http://homes.yahoo.com/news/why-your-home-insurance-rate-is-high-010043699.html
