The best home insurance rate is usually found when you purchase the policy in combo with the auto insurance. The multi-policy discount is substantial. It is so much more convenient to have both with one company especially when there is a claim. The next factor that has a significant impact on the rate is whether to buy a replacement cost policy or an actual cash value policy. The difference in premium is significant but so is the coverage. Replacement cost settles your homeowner’s claim by replacing or repairing your home or personal property with like kind and quality materials with out depreciation. Actual cash value allows for depreciation and you come up with the depreciable difference as an out of pocket expense. The last decision that you need to make is the size of your deductible. This will impact the rate. Higher deductibles are in vogue because of the infrequency of homeowners claims.

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