There are so many factors that can affect your car insurance premium — including some you might not even expect — but there’s one you can guess has a big impact.

Whether the time has come to renew your auto insurance or you’re considering ways to decrease the number of bills you have, you might have thought about whether car insurance was a “must have.”

Whether you have a vacation home, an empty rental home, or simply one that has sat vacant for some time, you may have thought “do I need any special kind of home insurance when my house is vacant?”