A variety of factors can come into play, from the personal (e.g. your credit score,
the quality of your home security system) to the more global (e.g. your neighborhood's crime rate, the proximity of your home to a fire station).
Be sure your insurance provider is aware
of any improvements you make to your
home such as a
home security system or a roof made
of quality weather - resistant material as you might receive a reduced premium.