1. 315 POINTS
    Jerry Usher
    Producer, JW Hoban & Associates, Northeastern Pennsylvania
    Purchasing insurance is not like purchasing most products.  If you want to purchase a cheap tv, you can compare similar models prices and buy the cheapest. 

    Insurance is written according to your individual needs...it's custom made to protect the underlying assets it shields.  
    Your Home Insurance quote will be based off several aspects of your home such as:


    Square footage
    location
    age of your home
    distance from hydrants and your local fire department 
    the estimated replacement cost to rebuild the home
    whether or not you have any other structures on your property (garages, sheds, pools, etc.)

    Your personal credit history, insurance score, age, married status, and claim history will also come into play.

    Insurance companies will then take all that information and catogorize you with similar risks and calculate a rate (purchase price) for you.

    It can then be modified to fit your budget by adjusting deductibles, limits, and valuation types.

    This is why it is so important to speak to a licensed professional who can help create a custom policy for you that will shield all of Your specific needs.

    If you are interested in more help from me,  visit www.PaInsuranceMadeEasy.com 
    to connect!
    Answered on August 24, 2013
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