How Do You Calculate Homeowners Insurance? 
Insurance companies use two types of calculation tools to first determine the cost to replace the home if there is a total loss . The replacement cost is one of the determining factors in rating a home . The next factors are the location of the home , information about the individuals purchasing the home and their prior homeowners insurance history . Then we discuss with the client the desired additional coverage 's and deductible options beyond the basic replacement cost to help determine what best fits the clients needs and to give peace of mind on this important asset . 