What type of insurance do you need?

When generating a personalized home insurance quote, we take into account several standard aspects of your home and deductibles to find a starting price point. However, we also look at a few other factors when determining your home insurance premium.

1. The Structure of Your Home

What your house is made of can increase or lower your premiums. Concrete and brick houses tend to fare better against environmental elements and are less susceptible to house fires. Therefore home insurance premiums on them tend to be lower than their wood structure counterparts.

2. The Breed of Your Dog

Unfortunately certain breeds of dogs have a reputation for being more dangerous than other dogs. If your dog’s breed is considered a higher risk breed, your insurance premiums may be higher as well.

3. The Age of Your Home

Newer homes that have been built with the current safety codes and better building materials may mean lower insurance premiums than their older counterparts that were built with outdated security measures and older structural materials.

4. The Emergency Response Team Nearby

Many homeowners don’t realize the effect of their town’s fire station on their home insurance premiums. If your home is close to a fire hydrant, near an adequate fire station, and has a higher quality emergency response team you may be eligible for lower premiums.

It is important to understand how your house can affect your homeowners insurance premiums. If you have any questions or wish to speak with one of our agents, contact us via email or phone 806-763-7311 and we'll gladly help review your policy.
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