You're a statistic. To an insurer, you're not a person; you're a set of risks. An insurer bases its premium on your "risk factors," including occupation, who you are, what you own, and how you live. Know your home's value. Before you choose a policy, it is essential to establish your home's replacement cost. A local builder can provide the best estimate. Insurers differ. What seems to be the same product can be priced differently by different companies. Save... [read more]