Factors Which May Affect Your Premiums

The cost of your insurance is based on your specific circumstances. In general, the lower the risk that is present, the lower your rates will be. The following factors are among those that could affect your rates:

Homeowners Policies

• Underground oil tanks
• Unfenced swimming pools
• Trampolines
• Certain kinds of dogs
• Type and age of wiring
• Presence of smoke detectors, fire alarms or sprinklers
• Distance from the nearest fire department
• Home businesses
• Loss history

Auto Policies

• Driving record
• Driver’s age
• Driver’s gender
• Make and model of vehicle
• Use of vehicle
• Place of garaging
• Loss history

Give us a call. We'll ask you the right questions to determine which factors could affect your insurance rates.