People who are in the market for cheap home insurance should take the location of their house into account, since it could have a big impact on the rates they will pay.
According to a report on WJAC-TV in Pennsylvania, a local debate over whether Shade Township will be served by Central City's fire department is likely to have an impact on home insurance rates.
The report states that if Central City does not respond to fires in this township, the call will go to other surrounding towns. If the other fire departments are found to be a certain distance away from some houses, this could have an impact on the insurance rates they pay.
According to the Insurance Information Institute, homeowners also stand to save money on their insurance premiums if their house happens to be located close to a fire hydrant. Another related factor that weighs on insurance costs is whether one's town has a volunteer or a professional fire department.
Overall, securing cheap home insurance depends on a variety of other factors that can range from an area's likelihood of having earthquakes to its fire protection system.