Location Still an Impact on Insurance Costs

by Apr 18, 2023

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Still the Best Factor in Controlling Insurance Costs

It may surprise you a little that if you choose California for your home with wildfires & mudslides, or Florida with hurricanes and flood, you will have very little control over your home insurance premiums.

“If you have your heart set on a location to build or buy, your first step is to ask an independent agent if the location is an issue.”

Location Still an Impact on Insurance Costs

Outside of those extremes, there are areas that are premium heavy that you should be aware of before you sign a contract. If you have your heart set on a location to build or buy, your first step is to ask an independent agent if the location is an issue.

Here are some things to consider:

  • Distance to the coastline
  • Is the home in a flood zone
  • Distance to a Fire Hydrant and Fire Department
  • Absent a close fire hydrant is there a nearby water source?
  • Is the property surrounded by forests or vegetation

All of these location factors are drivers in determining the cost in insuring a home that you should be aware of before you make the purchase.

If you have a property that you are considering to purchase, drop Kyle an email at or call 203.698.9342 to find out if the location is an issue with current and future home insurance.

Written by: Kyle Shepard

Kyle’s extensive sales and account management expertise transcends both Commercial and Personal Lines. Coupling that with his finance and life insurance licenses, Kyle serves as full service insurance agent for all of his valued clients. The goal for Kyle is to provide tailored risk management to address his client’s current and future exposures, and to optimize wealth preservation.

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