There are several other factors that effect cost of the premiums on your home insurance. The cost of this insurance depends on how these factors are taken into consideration. A lot of insurance companies will base your insurance costs on your post code. From your post code, a lot of companies can get an idea of the crime rate in your area and the amount of break-ins.
The cost is also variable depending on the amount of insurance cover you require. Also the amount you ensure the property for will also have an effect on the premiums cost.
Also, if for example your home has a flat roof, it is likely you will pay more as the chances of leeks from the roof are greater.
There can also be an increase in cost if you stay is an area which is far from any fire stations. You may also pay more if you don’t have a burglar alarm or if your home is older than average.