Homeowners insurance.

[badmomma]

Its a must have if you own a home. How much it will cost you depends on alot of things.

Where you live and the types of disastors that the area is prone too can make your cost higher.

For the other things like the plumbing and the electricity you have control of that.

Does the electrical system meet current code?
Unlike the plumbing and the roof, the electrical system doesn't need to be replaced to qualify for a good insurance rating, agents say. But it does need to have been updated within the past 25 years to meet current codes. That means circuit breakers; no old-fashioned fuses.

Is the plumbing new?
Ditto on the plumbing. If the system is a quarter-century old or has had unresolved problems in the past, insurance providers will be wary.
"Companies are scared to death of water claims because they can lead to mold, and mold is very expensive to remediate," says Bill Wilson, vice president of education and research for the Independent Insurance Agents & Brokers of America, a trade group.

These are just a few of the things to take a look at. I suggest that once you have made improvements that you get your agent out to take a look at it. That way you can have the rates adjusted to fit.