Spring for many people means moving and home-buying season.

One item that buyers often consider before making the decision of which house to purchase is the cost of Homeowners' insurance.

Many factors go into setting premiums, however, including the amount of insurance purchased (generally based on the value of the insured property), the types of property covered, the types of perils covered, and the specific limits and deductibles a policy holder chooses.

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Rosalie Donlon

Rosalie Donlon is the editor in chief of ALM's insurance and tax publications, including NU Property & Casualty magazine and NU PropertyCasualty360.com. You can contact her at [email protected].