Insurance Companies only care about 2 things, your credit score and how many homes, cars, whatever are insured in that perticuler area.
they spread their percentages of homes insured. If they have to many houses in one area then they will raise their rates and lower rates somewhere else that they are below their percentage for that area till they reach what they feel is an acceptable percentage of risk for that area. It has nothing to do with the cost of anything except how much they will be paying out if something happens in one area of the country
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Last edited by Pesce Nero; 03-28-2013 at 01:30 PM.
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