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With homeowner insurance rates on the upswing in Florida, it pays to know what insurance companies look at when setting your rates. Too many negative factors can add hundreds of dollars to your annual cost of coverage. See common drivers of insurance costs below, based on information from property insurance information organizations. 

Dogs with bad reputations
Many insurers charge higher rates for homes with animal breeds seen as risky, while some refuse to insure homes with potentially dangerous dogs. Risky breeds include Dobermans, rottweilers, pit bulls and their variations, Great Danes, Siberian huskies, Akitas, and others. Exotic pets such as monkeys can also trigger higher rates.
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