Mutual

Homeowners Insurance | Liberty Mutual

The cost of your homeowners coverage is largely determined by five factors:

Location

Risks like extreme weather, crime rate, and distance to a fire station all can impact your rate. For example, you might pay more for waterfront property or if you’re located in an area prone to mud slides. Construction costs also vary by region, which is another factor that determines your homeowners rate.

Estimated replacement cost

This is different from the current tax assessment or market value of your home, and accounts for the actual cost to rebuild the structure of your home. For example, if your home was destroyed in a storm, how much would it cost to rebuild it? That amount is the replacement value. Not only are materials and labor considered, but inflation and availability of building materials.

Age and condition

This is determined based on very specific details like building materials, age of the

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Top Performing Mutual Funds, Free Current Issue, Mutual Fund Newsletter

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Mutual funds are the best vehicle
for individual investors to gain access to
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safety
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service

That’s because mutual funds give individual investors access to experts and information not otherwise available. When you invest in a mutual fund, your money is managed by a professional portfolio manager. Your investment is more and better

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