Did you know that home owner insurance policies are generally higher for those of us who live in high risk areas than for those of us who don?t? It?s true. The two major high risk factors that can cause your insurance rates to be higher than normal are weather and crime. Living in an area that is commonly afflicted with dangerous weather elements such as hurricanes, tornadoes, snow storms, and earthquakes can cause your insurance rates to be much higher than the rates of someone who does not live in an area prone to that kind of weather. If you live in an area that is commonly affected by severe weather, your insurance company knows that your home is at risk for much more damage than the homes of people who do not live in those kinds of areas. Living in an area that is commonly afflicted with crime such as vandalism and theft can cause your insurance rates to be much higher than the rates of someone who does not live in and area prone to that kind of crime. If you live in an area that is commonly affected by crimes such as theft and vandalism, your insurance company knows that your home and your possessions are at risk for much more damage and property loss than the homes and possessions of people who do not live in those kinds of areas. Home owner insurance does not just cover the cost of repairing or replacing your home; it also covers the cost of repairing or replacing the valuables within your home that are insured. If you live in an area that is prone to severely damaging weather or an area that increases the risk of your home being vandalized and your possessions being stolen, your home owner insurance rates are going to be much higher than the rates of people who do not live in those high risk areas.