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Reasons Why Location Influences Home Insurance Rates

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Reasons Why Location Influences Home Insurance Rates

How Your Home’s Location Influences Your Insurance


The price you pay for homeowners insurance in Calimesa, CA is made up of several different factors. From the coverage you select to your credit history, no two people will receive the same premium for their properties. When determining a premium, your insurer will look at the location of your property as this plays a large role in how much you end up paying for coverage. Here’s why.

  • Crime

If your home is located in an area where there is a high crime rate, you will pay more for insurance because there is a higher chance of you filing a theft or vandalism claim. However, you can take proactive steps whenever possible in order to reduce the risks such as adding a burglar alarm system and motion-sensor floodlights.


  • Fire

If your home is located in a high-risk fire zone that is known for its wildfires, you could be looking at a higher insurance premium. Insurance companies track and chart natural phenomena and assign risk values to different regions. Being in close proximity to a fire station could mean that you spend less on home insurance premiums. This can also be broken down into fire stations that are operated by a professional fire department and stations that are served by the volunteer fire department.


  • Flooding

Homes located near the coast or coastline are generally more expensive to insure than those that are inland. In fact, living in a home near any body of water  – such as Westlake lake – could affect home insurance rates because of the risk of flooding. Flood damage is not typically covered by standard home insurance policies. You may want to purchase separate flood insurance even if your home isn’t considered at high risk for flooding.


Talk to your home insurance agent today to learn more about how to find affordable coverage. For all of your homeowners insurance needs, talk to the professionals at Little & Sons Insurance Services, serving Banning and neighboring cities in California.

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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