Homeowners insurance typically covers your home and belongings from damage due to events like fire, theft, vandalism, and certain natural disasters. It also includes liability coverage for accidents or injuries that occur on your property.

Premiums are based on several factors, including the location of your home, its age and condition, your claims history, the coverage limits, and the deductible you choose. Additional features, like security systems, can also impact your premium.

Home and auto insurance premiums are heavily influenced by location because insurers assess risk based on local factors. These factors help determine the likelihood of claims in a specific area. Distance to fire stations, Natural disaster risk of zip code and crime rate all play a factor. Most carriers split risk by zip code, others by territories within zip codes.

No, this information is hidden from the public. Insurance companies do not want you to know this information. Mostly because they don’t want their secret insurance models stolen by competitors.

From my years of experience in the insurance industry, I have reverse engineered the location factors into a simple number scale. This keeps the insurance companies models secret, but allows you to benefit by using this information as a tool to lower your home insurance payments leaving you more money to reinvest.