Originally Posted by passing
pics or gtfo.
yes and no.
newer construction is always a plus. updated buildings (roofing, wiring, plumbing, heating/HVAC) dont necessarily lower premiums but they do make an aged building eligible for coverage.
the following are 5 classes of buildings from most expensive to least expensive:
frame, JM, MNC, modified fire, fire resistive.
Factor in being within 5 miles from the coast? (the bay actually, not the gulf)