☰ ˟
Send us a text: 269-339-0002 Language Selector
Logo Bulgarian Logo
  • Home
  • Get A Quote
    • Annuities
    • Automobile
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Farm
    • Flood
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
    • Life
    • Motorcycle
    • Pet Insurance
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Earthquake
    • Flood
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Important Files
    • Insurance Glossary
  • About Us
    • About Allen Harmon Mason Selinger Insurance Agency
    • Our Locations
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > Comparing Urban, Suburban and Rural Home Insurance Needs
TUESDAY, MAY 25, 2021

Comparing Urban, Suburban and Rural Home Insurance Needs

Home insurance companies determine rates based on a wide range of factors. But you will notice that urban, suburban and rural homes vary dramatically when it comes to the premiums paid. 

Here are some of the factors that make up the difference between a typical urban, suburban and rural home: 

  • Proximity to fire departments. Rural homes tend to be farther away from public facilities, such as fire departments. This means that you are at a higher risk for fires. 

  • Crime rates. Urban homes are at a higher risk of crime than suburban and rural homes. 

  • The value of the home itself. Suburban homes tend to be the most expensive, given their high-value locations and proximity to public and private schools and places of employment. 

  • Wood-burning stoves. These can come in handy during long winter months. But they can also increase insurance premiums. Wood burning stoves are most common in rural homes. 

  • Building quality, age and materials. Suburban homes will almost invariably be built according to more recent codes and standards. 


Every neighborhood has its own unique risks. You may be very close to a fire department in the city, but you also have higher instances of theft and vandalism. A suburban neighborhood may be safer, but the homes will also be more expensive. Rather than just considering whether your home is rural, urban, or suburban, your insurer is going to take all these risks into consideration when quoting your rates.  
Posted 6:45 PM

Tags: homeowners, policy, coverage, insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012

  • insurance(32)
  • tips(22)
  • coverage(21)
  • home insurance(19)
  • auto insurance(19)
  • life insurance(18)
  • business insurance(18)
  • battle creek(14)
  • savings(12)
  • health insurance(9)
  • battle creek auto insurance(9)
  • battle creek home insurance(8)
  • battle creek life insurance(7)
  • battle creek car insurance(7)
  • safety(6)
  • battle creek homeowners insurance(5)
  • auto insurance battle creek(4)
  • commercial auto insurance(4)
  • general liability(4)
  • car insurance battle creek(4)
  • auto(4)
  • premiums(4)
  • workers compensation(3)
  • winter(3)
  • costs(3)
  • life(3)
  • michigan(3)
  • health(3)
  • battle creek business insurance(3)
  • battle creek health insurance(2)
  • protection(2)
  • claims(2)
  • home insurance battle creek(2)
  • allen harmon insurance(2)
  • commercial(2)
  • general liability insurance(2)
  • homeowners insurance battle creek(2)
  • cold(2)
  • battle creek mi homeowners insurance(2)
  • driving(2)
  • commercial auto(2)
  • homeowners(2)
  • policy(2)
  • property insurance(2)
  • homeowners insurance(2)
  • cold prevention(1)
  • thunderstorm safety(1)
  • life insurance beneficiary(1)
  • teen drivers(1)
  • snow(1)

View Mobile Version
Facebook icon Twitter icon Google Icon Twitter icon
Allen Harmon Battle Creek | 230 N Helmer Rd | Battle Creek , MI 49037 | (269) 441-5156 Allen Harmon Rochester | 961 Oakwood Dr | Rochester, MI 48307 | (877) 205-0051
© Copyright. All rights reserved.
Powered by Insurance Website Builder