There are essentially ten factors that affect your insurance premium, some of which you can control and some of which you cannot. The second of the ten factors is something that you can’t control, and that is how your home was constructed.
On the East coast, brick is the preferred method of construction because there aren’t that many earthquakes and the home is generally subjected to more wind, snow, and hail damage - things that brick is very good at handling. Move a brick home to San Francisco and the frequent earthquakes will likely take the house down. On the West coast, a home built on a frame and more able to handle the shaking of an earthquake, is far cheaper to insure than one made of brick - which doesn’t take to shaking.
There are other aspects of construction that are important as well such as the existence of a basement. Since the basement is underground, it typically requires a sump pump of some kind in order to protect against the rising water table. If there is a heavy rain and an power outage, such that the sump pump no longer works, we’re talking about the potential for a flood to damage parts of or contents in the home.
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