Reviews --- X-Prep Oral
#1126 Review writed by Emily 11 Years, 2 Months, 3 Weeks, 2 Days, 20 Hours, 15 Minutes ago
#1264 Review writed by Kerryn 11 Years, 2 Months, 2 Weeks, 6 Days, 21 Hours, 6 Minutes ago
#1302 Review writed by Emberlynn 11 Years, 2 Months, 2 Weeks, 6 Days, 7 Hours, 19 Minutes ago
#1392 Review writed by Isabelle 11 Years, 2 Months, 2 Weeks, 3 Days, 23 Hours, 43 Minutes ago
#1454 Review writed by Jimmy 11 Years, 2 Months, 2 Weeks, 2 Days, 22 Hours, 53 Minutes ago
Your homeowners inanusrce premium is going to be based on a wide variety of factors. Among the factors the location, including protection class which factors in how far the house is from the nearest fire department and fire hydrants, how far the house is from a body of water, construction materials of the house, i.e. whether it is masonry or frame, the age of the home, if it is under 10 years old it usually gets a discount, if it is over 40 years the company will be looking at whether it has been updated (some companies will give discounts if it has been completely updated) safety features such as sprinklers, central station alarm, etc., your history of prior property claims, prior claims at that specific home (contained in a CLUE report), a multi-policy discount if you have automobile inanusrce with the same company, a senior citizen discount if you are over 65 and where allowed your credit score are all factors that could cause wide variations in homeowners inanusrce premium.Also the most important point your homeowners inanusrce premium is going to be based on the replacement value (what it would cost to re-construct the home if it were a total loss) not your purchase price. Lastly the low value of the home does not in and of itself mean that it is a high risk home or that it is much more likely to have claims filed the CONDITION of the home its proximity or location in a risk zone in terms of weather near water, high wind area, brush fire zone, etc. are what would make the home a high risk.Good Luck on purchasing your first home.
