Your home’s insurance can give you peace of mind. However, the price tag can stress you out too. To lower your homeowners insurance costs, be aware of where your home is.


Your insurance plan will likely be higher if you build or buy a home on the edge of a mountain or near the banks of a river. This adds more risk for home damage, so your plan will likely be more expensive.


Evaluate the makeup of your home. If you want lower insurance premiums, you may want to look for a home with newer electrical and plumbing systems. Also, brick homes can be more sturdy than homes with aluminum siding. Insurance companies will take these into account when they consider the possibility of wind damage.