Buying homeowner’s insurance can be a bit complicated if you don’t understand how certain risk factors affect policy rates.

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.

“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.”

Do you wonder what unusual risk factors could affect your home insurance? We provide examples – and solutions – on how you could reduce your rates.

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.

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