Where your home is located is key to your Homeowners Insurance cost. Your zip code, city, and state can have different risk rates for weather damage, like hurricanes or floods, or higher claims history due to crime, affecting your coverage final price. In the end, the whole point of having insurance is keeping your home protected, right?

“Age matters”. This may not be the nicest say in most case scenarios, yet it can be when it’s meant to protect your home. Older homes typically require more maintenance and repairs, meaning that your premium prices could bump up. At PSIC we want to make sure your home is properly protected and ready to handle unexpected surprises that may come your way.

Think of your deductibles as a way to strike a balance that works for you. If you go for a higher deductible, you can score some lower premium rates. But, keep in mind that this also means you'll have to cover more out-of-pocket expenses if you have to file a claim. You can always read more about it in Homeowners Insurance Explained or contact an agent who’ll be ready to help you!

A clean record signals responsible stewardship, typically resulting in lower insurance premiums. Conversely, a history of frequent claims may imply a higher risk profile, potentially leading to increased insurance expenses in New Jersey's diverse landscape.

The construction type directly influences the price of your Homeowners Insurance, as materials and methods used in construction impact the home's vulnerability to various perils, affecting the risk profile and therefore the premium cost.