Lots of things can change how much you pay for home insurance and what it covers:

• Where You Live: If your home is in an area that's often hit by natural disasters, your insurance might cost more.
• Home's Value: If your house is fancy and expensive, your insurance will be pricier to make sure it's fully covered.
• Deductible: This is how much you pay before insurance helps. If you choose a high deductible, your payments are lower, but you pay more if something happens.
• Materials Used: The material used in the construction of your home can significantly impact your insurance premiums, mainly due to differences in durability, fire resistance, and overall risk factors associated with each material. 
• How Old Your Home Is: Older houses might need more expensive fixes, so insurance can cost more.
• Safety Stuff: If you have safety features like alarms and fire extinguishers, your insurance can be cheaper.
• Past Claims: If you've made lots of claims before, your insurance can cost more because you're seen as a bigger risk.
• Credit Score: In some places, a better credit score can mean lower insurance costs.
• Coverage Type: The kind of coverage you pick and how much you want can change your cost.
• Pets: If you have certain pets or a pool, it can affect how much you pay.
• Fun Stuff: Things like trampolines can make your insurance pricier and even ineligible.
• Home Business: Running a business from home might need extra coverage and affect your cost.
• Fire Hydrants and Stations: Being close to them can make insurance cheaper because help arrives faster.
• Discounts: Some insurers give discounts for different things, like bundling home and car insurance or not having a history of claims.​

• Industry Type: The type of business or industry you are in can significantly impact your insurance rates. Some industries have higher risks and may pay more for coverage.
• Business Size: The size of your business, including its revenue, number of employees, and physical size, can affect your insurance costs. Larger businesses often have more complex risks and may pay higher premiums.
• Location: Where your business is located can impact insurance rates. For example, if your business is in an area prone to natural disasters or has a high crime rate, you may pay more for insurance.
• Coverage Needs: The types and amounts of coverage you need can influence your rates. Businesses that require extensive coverage, such as high liability limits or specialized coverage, may pay more.
• Claims History: Your business's claims history can have a significant impact on your insurance rates. If you have a history of frequent or costly claims, insurers may consider you a higher risk and charge higher premiums.
• Safety Measures: Implementing safety measures and risk management practices can lead to lower insurance rates. This may include safety training for employees, security systems, and safety equipment.
• Business Assets: The value of your business assets, including equipment, inventory, and property, can affect your insurance costs. Insuring higher-value assets can result in higher premiums.
• Business Operations: The nature of your business operations and the services you provide can influence rates. Some businesses, such as those in the construction or healthcare industries, may have higher insurance costs due to their specific risks.
• Employee Safety: Your business's safety record, including workplace safety protocols and employee training, can impact your rates. Fewer workplace accidents can lead to lower premiums.
• Business History: The length of time your business has been in operation can be a factor. Established businesses with a history of stability may be seen as lower risk and receive lower rates.
• Financial Stability: The financial stability of your business can influence rates. Companies with a strong financial history may be seen as lower risk and receive better insurance rates.
• Policy Limits and Deductibles: The coverage limits you choose and the deductibles you're willing to pay can affect your rates. Higher limits and lower deductibles typically result in higher premiums.
• Market Conditions: The overall insurance market conditions and economic factors can impact rates. Insurance rates can fluctuate based on market trends and external influences.

It's important to work closely with an experienced commercial insurance agent or broker to assess your business's unique risk factors and tailor your insurance coverage accordingly. Additionally, regularly reviewing your insurance policies and exploring options from different insurers can help you find the best coverage at a competitive rate for your business.