From the roof to the basement to the outdoor living space and the garage, many things go into your home insurance rate. And, just like auto insurance, home insurance rates can vary substantially between insurers for the same home at the same address. But what affects your home insurance rate specifically?

What goes on outside your window can have a big impact on what happens inside your home. Severe weather, like high winds and heavy rains, can cause considerable damage. But have you ever considered how the reverse may be true too? What happens inside and around your home may affect what happens outside your window.

From the roof to the basement to the outdoor living space and the garage, many things go into your home insurance rate. And, just like auto insurance, home insurance rates can vary substantially between insurers for the same home at the same address. But what affects your home insurance rate specifically?