One of the very little talked about issues that affect home owners insurance coverage is the nature of occupants in the homes.
Come to think of it, there are types of people who with their live style would certainly create more damage than others.
It makes sense then for insurance companies to take note of these types of residents.
It would be necessary for you to know what insurance companies look out for when you apply for home insurance coverage.
You would certainly get affordable home insurance rates if the residents of your home consist of elders who likely are stay at home people.
It is taking for granted that they are very less prone to activities that can result in damages.
It is also noted that due to their very limited goings out and in, they would add security to the house as would be burglars would prefer to operate at homes with no one in at all.
If you have young children, their presence might not really affect the insurance coverage as they are not seen as being capable of enough damage to warrant the attention of the insurance company.
This does not however include cases where you maybe constantly have a number of children in your home as in a daycare.
If however you have teenage high school or college students, be sure it would certainly be taken into consideration.
Young people have a high energy level that looks for means of expression and in doing this, they are considered capable of significant high risk behavior.
So be prepared to pay a higher premium to get adequate coverage for that home.
If you have pets in your home, you might not have to worry about this since most insurance companies don't offer coverages that include damages caused by animals or pets.
So it wouldn't affect your premium.
This is by no means a conclusive list.
It is merely a guide.
It would do you a whole lot of good to take time to really compare several quotes from quote sites so you can have the most affordable home insurance coverage.
Get your quotes from reputable quote sites.