They say in real estate itís all about location, location, location. Well, homeowner insurance costs are affected by geography as well. The area you live in may present specific risks that need to be addressed when it comes time to choose an insurance policy.
On the west coast of the United States, for example, it is more likely that you would consider earthquake protection in your policy. Areas that are prone to seasonal flooding might nudge you into considering flood protection from your provider.
Then there are the materials that your home was constructed with. Buildings that are more susceptible to structural damage from an earthquake, or perhaps more vulnerable to fire damage, will most likely cost more to insure. If you are building or looking to buy a new house, you might want to consider how the house is/was built, for your own safety as well as the cost of insuring the home.
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