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Last week, I gave a presentation to a group of people on Home Insurance Frequently Asked Questions. It was a delightful time that spurred even more questions from the audience. This gave me the idea to take some of the points and write a series of posts on them, many of which I write about annually. With that as our guide, let’s look at four factors insurance companies use to determine your annual rate that have nothing to do with your home. They do, however, have everything to do with you!