So...having been around the insurance industry for a bit, we often hear the same questions over and over, because they're common, and they are the things that get stuck in someone's mind until they hear what they want to......Good bad or otherwise, here's the predominant factors that go into a home policy rating:
6. Value of the Property
There is going to be some correlation between the value of the home and what is charged to insure it. However every market is different and there's a different rating table for high value homes from more modest or traditional properties.
Most policies also have a yearly inflation guard built in. Meaning the amount of insurance will automatically climb by X% every year. This will drive your premium up over time. Keep in regular contact with your insurance professional to ensure you're getting their best rate possible!