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How Does My Location Affect My Home Insurance Rate?

Why your property’s location impacts your home insurance premium.


Homeowners insurance is designed to restore your home and belongings back to the same condition they were in before a loss occurred. There are many different home insurance policies to choose from, but many will vary in price and coverage. When an insurer considers your property, they will look at several determining factors. Among those factors is your home’s location. Here are just a few reasons why your property’s location will impact the price you pay for home insurance.


Neighborhood crime

If you live in a neighborhood that has a high crime rate, be that vandalism or theft, you can expect to pay a higher price for home insurance. Discounts are usually offered if you purchase a home security system and have preventative measures in place. Talk to your insurer on how to lower your premium, even if you’re located in an area with high crime.


Fire safeguards

It will help your homeowners insurance policy rates if you live near a fire station. If you live near a fire station or water hydrant, you may receive lower home insurance premiums. The reasoning behind this is if your home was to suffer from a fire, you would receive help quicker if you are located nearer to a fire station. As fires can quickly get out of control, every second counts. Even if your home is not located in close proximity to a fire station, it’s a good idea to get rid of as many fire hazards as possible around your home.



If your home is located near a water source, your property may be more susceptible to flooding. If this is the case, you should consider taking out flood insurance, which is a separate insurance policy.


Ensure you have the right homeowners insurance in place. Visit the professionals at McCarty Insurance to get started on your tailored coverage. We can help you understand the ins and outs of your chosen policy.

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