Have you ever wondered how your home insurance company calculates your premium? As this infographic shows, it’s not so cut-and-dry as it may seem. Rates rely most heavily on your property location and your claims history, but your insurance company will also look at things like the replacement cost and age of the home, if your auto and home policies are bundled, roof type and other factors to determine whether to add to or discount your rate. Additionally, the influence of these factors varies by state. Check out our infographic showing just some of the wide range of factors that affect home insurance rates.*Some of these factors vary by state, and certain ones in this infographic are not allowed to be used to determine your rate.