[gallery size="full" ids="235788,235789,235790,235791,235792,235793,235794"]

There are some static elements that factor into an individual homeowner's annual insurance premiums such as their property's replacement cost, age, construction type and quality, size and the number of people who live there.

But there also are a myriad of locational factors that can cause home insurance premiums to swell, and they aren't necessarily headline-grabbing weather events.

Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader

  • All PropertyCasualty360.com news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including BenefitsPRO.com and ThinkAdvisor.com.
NOT FOR REPRINT

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.

Elana Ashanti Jefferson

Elana Ashanti Jefferson serves as ALM's PropertyCasualty360 Group Chief Editor. She is a veteran journalist and communications professional. Reach her by sending an e-mail to [email protected].