The amount of coverage that you may need can depend on the cost to replace your home in the event of a loss.

Shopping for homeowners insurance can depend upon the nature and extent of your assets. Besides taking into consideration the value of your home, you may also want to consider how much your other assets, such as personal property and other valuables, are worth.
Premiums may be determined by the following factors:

• Value
• Age of dwelling
• Location
• Fire protection
• Deductibles
• Optional coverages