From the roof to the basement to the outdoor living space and the garage, many things go into your home insurance rate. And, just like auto insurance, home insurance rates can vary substantially between insurers for the same home at the same address. But what affects your home insurance rate specifically?

Your auto insurance is determined, in part, by the drivers listed on your policy. But who exactly should be listed on your policy? Do you need to add your neighbour who occasionally borrows your SUV when they shop at Costco? Do you need to include your teen driver who only has their learner’s permit?