1.
If you buy a home in a neighborhood that has just a volunteer fire service, you'll pay higher rates than for a town that has a full-time fire service.
Also along these lines, how close your home is to a fire station or hydrant will affect your home insurance rate.
Simply put: the nearer your home is to firefighters and their equipment, the more affordable your premium will be.
2.
Buy a house as far away from red light districts as you can.
Homes in areas that have a high crime rate cost much more to insure.
Two homes a street away from each other could fall into opposite risk zones on an insurer's map.
You can ask an agent or insurance office and ask.
Some houses could be on the borders of crime zones and therefore result in adjacent streets being grouped to different zones with respect to crime rate.
3.
Check how close the house is from the closest police station.
This as well will help in lowering your homeowners insurance premium.
4.
Notwithstanding that this does not touch your homeowners policy directly I'll add it since it affects what you'd have to pay for before you'll be said to have the right coverage for your home.
You'd be expected to get flood insurance at up to $400 every year if you buy a home in a flood-prone area.
Bear in mind that your mortgagor will demand that you buy it if you want a home in a flood region.
Apart from where you know that extra spend is a good trade off, you'll get lower rates if you buy a house in an area that won't need flood insurance.
You could save several hundreds of dollars by just getting and evaluating quotes from about three quotes sites.
And, it will take just about 15 minutes on the whole.