Years ago, someone with a $100,000 home paid the same premium as anyone else who had a $100,000 home. Now, however, home insurance pricing is much more sophisticated. Companies have found that claims data is more impacted by the people living in the home than the home itself. For example, someone with good credit history will make improvements when they’re needed, not just try to limp something along (like an old furnace or roof). Other factors can impact the rate, as well. A 50 year old married homeowner will pay less in premium than a 22 year old who just bought his or her first home. Finally, combining your auto insurance with your home insurance will save you money. The home might have a claim or two, but the auto insurance portion might be claim free, giving the insurance company the profit they desire.