Which of the following factors is NOT typically considered when calculating an insurance premium?

When calculating an insurance premium, insurers take into account a variety of factors that can impact the level of risk associated with insuring a property. The correct answer indicates that the number of bathrooms in the property is not typically a major factor in premium calculations.

Homeowner’s credit score is often considered because it can provide insights into the homeowner's reliability and risk profile. A higher credit score may suggest lower risk, which can lead to lower premiums. Additionally, the property’s proximity to emergency services, such as fire stations and police departments, plays a crucial role in determining risk, as closer proximity often results in faster response times during emergencies, thereby reducing the likelihood of severe damage and impacting insurance costs favorably.

Claim history of the homeowner is also a significant factor; a history of previous claims can indicate a higher likelihood of future claims, which can lead to increased premiums.

The number of bathrooms, while it may give a sense of the property’s size or luxury level, does not inherently correlate with the risk of loss or damage in the same way that the other factors do. Therefore, it is not typically a major consideration in insurance premium calculations, making it the correct answer in this context.