{"id":49255,"date":"2024-12-05T11:35:15","date_gmt":"2024-12-05T16:35:15","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=49255"},"modified":"2025-12-12T14:57:34","modified_gmt":"2025-12-12T19:57:34","slug":"how-is-home-insurance-calculated","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated","title":{"rendered":"How is home insurance calculated"},"content":{"rendered":"\n<p>If you\u2019ve ever shopped for home insurance, you probably noticed that <a href=\"https:\/\/www.plymouthrock.com\/resources\/compare-home-insurance-quotes\">quotes vary<\/a> from company to company. That\u2019s because there\u2019s no standard formula across the industry to calculate your <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/ma\">homeowners insurance<\/a> rate. Additionally, not all factors are considered in every state. Let\u2019s examine some of these factors.<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#calculate\">Factors that may be used to calculate your rate<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#assessment\">What is risk assessment<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#coverage\">How much coverage do you need<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#premium\">Potential ways to lower your premium<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"calculate\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Factors that may be used to calculate your rate<\/h2>\n\n\n\n<p>Anything that a home insurance carrier sees as a potential risk might impact your annual premium. These could include factors such as the location of your home, the <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-roof-leaks\">age of your roof<\/a> and how many home claims you\u2019ve filed in the past. Not all insurance carriers give these factors the same weight, however. This explains why you may get different quotes for the same property.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\"><strong>Factors That Might Impact Rate<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Location of home<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Size of home<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Age of home<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Distance to fire station<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Amount of coverage<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Past claims<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Credit score<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Lifestyle choices<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Location of home<\/strong><\/h3>\n\n\n\n<p>Homes located close to the coast are sometimes considered high risk in areas where property is more likely to be damaged by high winds and flooding. As a result, insureds in at-risk areas might pay more for their <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-home-insurance-cover\">homeowners insurance coverage<\/a>. The same thing holds true for people who live in zip codes with <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-theft\">high crime rates<\/a>.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Size of home<\/strong><\/h3>\n\n\n\n<p>The size of your home may also affect the cost of homeowners insurance. Because a small ranch house is typically cheaper to rebuild and replace than a larger, more complexly-constructed house, the cost to insure of the smaller home might be less. The same principle applies to your personal belongings. If your home is filled many valuable items, the cost to insure those items will typically be higher.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Age of home<\/strong><\/h3>\n\n\n\n<p>The age of your home could impact your insurance premium, as well. Typically, newer homes are cheaper to insure than older homes because they\u2019ve endured less wear and tear over the years. As a result, the structure of a newer home, as well as its systems, are less likely to cause you problems.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Distance to fire station<\/strong><\/h3>\n\n\n\n<p>Another determining factor is the distance between your home and the nearest fire station. Obviously, it\u2019s an advantage if you live close to a station, as firefighters will have a better chance of saving your property. A property that\u2019s located 15 miles from the nearest fire station, for example, will cost more to insure on average than one that\u2019s only a mile away.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Amount of coverage<\/strong><\/h3>\n\n\n\n<p>How much coverage you have also factors into the cost of your annual insurance premium. For example, you may decide to add extra coverage for particularly expensive items like jewelry or art. Or you may decide to increase your <a href=\"https:\/\/www.plymouthrock.com\/resources\/personal-property-coverage-homeowners-insurance\">personal property<\/a> and <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-homeowners-liability-insurance-cover\">personal liability<\/a> coverage limits.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Past claims<\/strong><\/h3>\n\n\n\n<p>Home insurance carriers might consider the number\u2014and severity\u2014of home claims that you have submitted over the years. The more claims that you file, the higher your home insurance rate might be.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Credit score<\/strong><\/h3>\n\n\n\n<p>Personal attributes, like your credit score, can also affect your home insurance rate in some states. If you have a good credit score, the cost of your insurance may be lower.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Lifestyle choices<\/strong><\/h3>\n\n\n\n<p>Certain lifestyle choices can affect the cost of your home insurance, too. For example, having a swimming pool or owning certain breeds of dogs can increase your personal liability risk.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"assessment\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">What is risk assessment<\/h2>\n\n\n\n<p>Risk assessment in the insurance industry involves identifying, analyzing and evaluating risks associated with your property. This process helps carriers determine the likelihood and potential financial impact of various risks.<\/p>\n\n\n\n<p>Here are the three steps that many home insurers use to calculate insurance costs and coverage limits:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"49258\" class=\"elementor elementor-49258\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9c50ab9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9c50ab9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d199350\" data-id=\"d199350\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d25d170 resource-slider elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"d25d170\" data-element_type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:13000,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"fadeInRight\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-0f41a20 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step 1: Risk Identification<\/div><div class=\"elementor-slide-description\">The first step is to identify the potential risks related to your home. These can range from natural disasters like floods and hurricanes to human activities like theft and vandalism. An insurer may conduct an inspection of your home to better identify risks.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-eb3115f swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step 2: Risk Analysis<\/div><div class=\"elementor-slide-description\">Home insurance carriers often use historical data and statistical models to estimate the probability and potential impact of risks. For example, FEMA\u2019s flood zone maps are widely used to determine flood risk.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-adc1685 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step 3: Risk Evaluation<\/div><div class=\"elementor-slide-description\">Finally, the severity and frequency of these risks are evaluated. This helps insurance carriers prioritize the risks so they can decide which ones to cover and how to price their policies effectively.<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<a id=\"coverage\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">How much coverage do you need<\/h2>\n\n\n\n<p>Once you understand the factors that carriers use to calculate the cost of home insurance, the next step is to determine how much coverage you actually need. This will ensure that you\u2019re getting an insurance quote that\u2019s right for you.<\/p>\n\n\n\n<p>A home insurance policy consists of several&nbsp;<a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/coverage-policy-options\">coverages working together<\/a>&nbsp;to provide you with overall protection. While each home policy has its own conditions and exclusions, nearly all standard policies include coverage in three major areas: your&nbsp;dwelling, personal property&nbsp;and&nbsp;personal liability.<\/p>\n\n\n\n<p>Of course, not everyone needs the same amount of&nbsp;<a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\">home insurance<\/a>. For a better understanding of what\u2019s right for you, consider the guidelines below.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Dwelling coverage<\/strong><\/h3>\n\n\n\n<p>The amount of <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-is-dwelling-insurance\">dwelling coverage<\/a> you need is determined by the estimated cost to rebuild your home if it is completely destroyed. Your independent insurance agent or a construction expert can help you determine that figure, so you may want to ask them for help.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%!important;\"><strong>Factors impacting rebuilding costs<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Age of home<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Total square footage<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Age and type of roof<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Age and type of heating, electrical and plumbing systems<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Construction materials<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Labor costs<\/span><\/li><\/ul><\/div>\n\n\n\n<p>Whatever the overall rebuilding cost is, you should make sure the dwelling limit in your homeowners insurance policy is enough to cover it. For example, if the cost to rebuild your home from scratch is approximately $290,000, you might consider setting your dwelling limit at around $300,000.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Personal property coverage<\/strong><\/h3>\n\n\n\n<p>You may also want to make sure you have enough personal property coverage in case you need to replace all of your belongings. The best way to determine that amount is to create an inventory of everything you own\u2014from furniture to electronics to clothing\u2014and then estimate the value of each item.<\/p>\n\n\n\n<p>Most policies offer personal property coverage that is between 50% and 75% of your home\u2019s dwelling coverage amount. Therefore, if you have $300,000 of dwelling coverage, you might have between $150,000 and $225,000 of coverage for your personal belongings. Remember, you can always increase that coverage if you want.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Personal liability coverage<\/strong><\/h3>\n\n\n\n<p>Personal liability coverage may cover costs if you are sued or held legally liable for another person\u2019s injuries or property damage. For example, let\u2019s say someone slips and falls in your kitchen. Personal liability coverage may help pay for the injured person\u2019s <a href=\"https:\/\/www.plymouthrock.com\/resources\/medical-payments-coverage-homeowners-insurance\">medical bills<\/a> and any legal expenses you incur up to a set dollar limit.<\/p>\n\n\n\n<p>On a standard home insurance policy, personal liability coverage is typically $100,000. For some, this isn\u2019t enough coverage, but fortunately higher limits are often available. If you have significant assets, you may want extra liability coverage. In that case, you could purchase an <a href=\"https:\/\/www.plymouthrock.com\/insurance\/umbrella\">umbrella policy<\/a> from your insurance company.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"premium\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Potential ways to lower your premium<\/h2>\n\n\n\n<p>While you may not be able to control certain risks, there are things you could do to potentially lower the cost of your home insurance premium\u2014or at least keep it in check.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\"><strong>Ways to Lower Premium<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Bundle policies<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Apply discounts<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Tailor your coverage<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Increase your deductible<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Bundle your policies<\/strong><\/h3>\n\n\n\n<p>If you haven\u2019t already done so, consider bundling your policies with the same home insurance carrier. You can often get a discount for bundling your homeowners, condo or renters policy with an auto or motorcycle policy. Bundling also works with an umbrella policy.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Take advantage of other discounts<\/strong><\/h3>\n\n\n\n<p>All insurance carriers offer a <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/discounts-benefits\">variety of discounts<\/a> to help you lower the cost of your home insurance policy premium, whether you live in a house, <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-condo-insurance-cover\">condo<\/a> or <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-renters-insurance-cover\">apartment<\/a>. For example, you could save if you choose paperless billing or if your home is equipped with internet-connected devices that alert you in case of theft, fire or <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-plumbing\">water damage<\/a>.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Tailor your insurance coverage<\/strong><\/h3>\n\n\n\n<p>It makes sense to only pay for the insurance you need. That\u2019s why you should review your current home insurance policy each year. Consider removing any coverages that don\u2019t apply to your particular situation and make sure your dwelling insurance limit reflects what your property costs to replace.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Increase your deductible<\/strong><\/h3>\n\n\n\n<p>Did you know that <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-is-a-good-deductible-for-home-insurance\">choosing a higher deductible<\/a> can lower your insurance premium? Smart homeowners have figured out this makes sense, as the chance you\u2019ll ever file a claim is small. Not surprisingly, more and more people are raising their deductible every year.<\/p>\n\n\n\n<p style=\"font-size:10px; line-height:15px; margin-top:0px;\">*Instant quote not available for all applicants. Restrictions apply.<\/p>\n<p style=\"font-size:10px; line-height:15px; margin-top:0px;\">This article contains general industry information concerning the topics discussed. However, applicability will vary by insured and insurer and from state-to-state. If you have any questions concerning your specific circumstances, you can speak with an insurance professional of your choosing.<\/p>\n\n<style>\n.postid-49255 .elementor-element-1911a6cf, .postid-49255 .elementor-element-7ee3e749 {\ndisplay:none;\n}\n<\/style>\n","protected":false},"excerpt":{"rendered":"<p>Home insurance rates vary from company to company. So how is home insurance calculated? There are several factors involved.<\/p>\n","protected":false},"author":6,"featured_media":49098,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[79,83,80,81,82,84],"class_list":["post-49255","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How is home insurance calculated | Plymouth Rock Assurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How is home insurance calculated\" \/>\n<meta property=\"og:description\" content=\"Home insurance rates vary from company to company. So how is home insurance calculated? There are several factors involved.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated\" \/>\n<meta property=\"og:site_name\" content=\"Plymouth Rock Assurance | Car Insurance and Home Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-12T19:57:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/12\/Resource_HomeIns_Calculate_640x350.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@plymouthrock\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated\",\"url\":\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated\",\"name\":\"How is home insurance calculated | Plymouth Rock Assurance\",\"isPartOf\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/12\/Resource_HomeIns_Calculate_640x350.jpg\",\"datePublished\":\"2024-12-05T16:35:15+00:00\",\"dateModified\":\"2025-12-12T19:57:34+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated#primaryimage\",\"url\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/12\/Resource_HomeIns_Calculate_640x350.jpg\",\"contentUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/12\/Resource_HomeIns_Calculate_640x350.jpg\",\"width\":640,\"height\":350,\"caption\":\"Person thinking while reading printout\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.plymouthrock.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Resources\",\"item\":\"https:\/\/www.plymouthrock.com\/resources\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"How is home insurance calculated\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.plymouthrock.com\/#website\",\"url\":\"https:\/\/www.plymouthrock.com\/\",\"name\":\"Plymouth Rock Assurance | Car Insurance and Home Insurance\",\"description\":\"More than just Insurance\",\"publisher\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.plymouthrock.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.plymouthrock.com\/#organization\",\"name\":\"Plymouth Rock Assurance Corporation\",\"url\":\"https:\/\/www.plymouthrock.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg\",\"contentUrl\":\"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg\",\"width\":\"1024\",\"height\":\"1024\",\"caption\":\"Plymouth Rock Assurance Corporation\"},\"image\":{\"@id\":\"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/PlymouthRockAssurance\/\",\"https:\/\/x.com\/plymouthrock\",\"https:\/\/www.instagram.com\/plymouthrockassurance\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How is home insurance calculated | Plymouth Rock Assurance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated","og_locale":"en_US","og_type":"article","og_title":"How is home insurance calculated","og_description":"Home insurance rates vary from company to company. So how is home insurance calculated? There are several factors involved.","og_url":"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated","og_site_name":"Plymouth Rock Assurance | Car Insurance and Home Insurance","article_publisher":"https:\/\/www.facebook.com\/PlymouthRockAssurance\/","article_modified_time":"2025-12-12T19:57:34+00:00","og_image":[{"width":640,"height":350,"url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/12\/Resource_HomeIns_Calculate_640x350.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@plymouthrock","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated","url":"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated","name":"How is home insurance calculated | Plymouth Rock Assurance","isPartOf":{"@id":"https:\/\/www.plymouthrock.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated#primaryimage"},"image":{"@id":"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated#primaryimage"},"thumbnailUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/12\/Resource_HomeIns_Calculate_640x350.jpg","datePublished":"2024-12-05T16:35:15+00:00","dateModified":"2025-12-12T19:57:34+00:00","breadcrumb":{"@id":"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated#primaryimage","url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/12\/Resource_HomeIns_Calculate_640x350.jpg","contentUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2024\/12\/Resource_HomeIns_Calculate_640x350.jpg","width":640,"height":350,"caption":"Person thinking while reading printout"},{"@type":"BreadcrumbList","@id":"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.plymouthrock.com\/"},{"@type":"ListItem","position":2,"name":"Resources","item":"https:\/\/www.plymouthrock.com\/resources"},{"@type":"ListItem","position":3,"name":"How is home insurance calculated"}]},{"@type":"WebSite","@id":"https:\/\/www.plymouthrock.com\/#website","url":"https:\/\/www.plymouthrock.com\/","name":"Plymouth Rock Assurance | Car Insurance and Home Insurance","description":"More than just Insurance","publisher":{"@id":"https:\/\/www.plymouthrock.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.plymouthrock.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.plymouthrock.com\/#organization","name":"Plymouth Rock Assurance Corporation","url":"https:\/\/www.plymouthrock.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg","contentUrl":"https:\/\/www.plymouthrock.com\/wp-content\/uploads\/2021\/03\/PRAC-Tagline_new_branding.svg","width":"1024","height":"1024","caption":"Plymouth Rock Assurance Corporation"},"image":{"@id":"https:\/\/www.plymouthrock.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/PlymouthRockAssurance\/","https:\/\/x.com\/plymouthrock","https:\/\/www.instagram.com\/plymouthrockassurance"]}]}},"_links":{"self":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/49255","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources"}],"about":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/types\/resources"}],"author":[{"embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/users\/6"}],"version-history":[{"count":1,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/49255\/revisions"}],"predecessor-version":[{"id":60068,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/resources\/49255\/revisions\/60068"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/media\/49098"}],"wp:attachment":[{"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/media?parent=49255"}],"wp:term":[{"taxonomy":"products","embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/products?post=49255"},{"taxonomy":"state","embeddable":true,"href":"https:\/\/www.plymouthrock.com\/wp-json\/wp\/v2\/state?post=49255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}