There are a number of factors that influence the cost of home insurance.  The areas  that are prone to hurricanes, tornados, wild fires, and hail tend to have much higher rates.  The crime rating for your location will also cause rates to increase.  The other two main causes for high rates are credit scores and claims.  The best thing you can do is compare rates from several companies.  In our agency we have approximately eight companies that we can quote both home and auto to find our clients the best rates.