Construction type: Frame (1.00), Masonry (0.85), Fire-resistive (0.70) - Protection class (fire dept proximity): 1-3 (0.90), 4-6 (1.00), 7-8 (1.25), 9-10 (1.60) - Age of dwelling: 0-5 years (0.90), 6-15 (1.00), 16-30 (1.10), 31+ (1.25) - Claims history: 0 claims (0.95), 1 claim (1.00), 2 claims (1.1