What affects homeowners' insurance prices?

· Type of Construction: Frame houses usually cost more to insure than brick.

· Age of House: New homes are usually less expensive to insure than old homes.

· Local Fire Protection: Your home's distance from a fire hydrant and the quality of your local fire department determine your fire protection class.

· Amount of Coverage: The amount of coverage you buy for your house, contents and personal liability will affect the price you pay.

· Deductible Amount: Your choice of a higher deductible will reduce the price for home insurance.

· Discounts: In some states, insurers offer lower prices for things such as insuring your home and car with the same company and installing deadbolt locks or alarm systems.