Final answer:
Homeowners insurance premiums are influenced by the amount of the deductible, location of the residence, and degree of protection desired, but not by the number of children in the home. The correct options are (a),(c),(d).
Step-by-step explanation:
Homeowners insurance premiums are influenced by various factors that determine the risk level and the cost of the insurance policy.
One such factor is the amount of the deductible, which is the money a homeowner pays out of pocket before the insurance coverage kicks in. A higher deductible usually means lower premiums because it reduces the insurer's risk.
Another important factor is the location of the residence, as areas with higher risks of natural disasters, crime, or other perils may see higher insurance costs. Lastly, the degree of protection desired is crucial; comprehensive coverage with low deductibles and added features will cost more.
However, the number of children who live in the home typically does not influence insurance premiums and is therefore the exception among the options provided.