There are many factors that affect the pricing on your quote, including the replacement cost, deductible, heating, usage, exposure, credit and bundling.

• Replacement cost: How much you would pay for an item at today’s prices.
• Deductible: The amount you must pay when making an insurance claim.
• Heating: Different primary heat elements, such as forced air versus a wood stove, require different rates.
• Usage and exposure: Based on your situation, your home may have a different exposure that requires additional coverage.
• Credit: Many insurance companies use consumer credit information as a part of their underwriting process, which may affect the premium charged. However, companies are prohibited from rejecting an application for insurance solely on the basis of credit information.
• Bundling: Most companies offer a substantial discount, sometimes up to 25%, for bundling your home and auto insurance together.