There is no question about it, having homeowners insurance is one of the most important things that you can do to protect your home and property. In the event that something happens to your home or the people who visit your home, the money you would normally have to pay from your own pocket will be covered. However, what some homeowners fail to realize is that some homes are naturally going to be more expensive to insure than others. Take a look at some of the things about a home that can make it more costly to insure. 

The house has certain amenities that can make accidents more likely to happen. 

Those things that you can implement into your property that are a convenience to you and may even provide a lot of entertainment can also become a liability in the event someone you know gets hurt on the property. It is for this reason that some property features can cause your homeowner's insurance rates to be a little higher than most. A few examples of certain amenities that can have an impact on how much you pay for home insurance include:

  • swimming pools and hot tubs
  • outdoor tennis courts, basketball courts, or similar sports areas
  • integrated fire pit 

Your home or property is also the site of business operations. 

If you use your home as a place to live and a place of business, you should automatically expect that your homeowner's insurance rates will go up. Because your property is now a place of business and a place of residence, you will be paying business property insurance on a portion of your home. You can expect rate adjustments if you have a home business office with equipment that needs to be insured or even if you store inventory on your property. 

You heat your home with a wood stove. 

Even though wood is one of the more cost-effective heating options, heating primarily with wood can also mean you see a slight increase in how much you pay for homeowner's insurance. Homes that are heated with a wood stove or fireplace can be more prone to catching fire, which means covering your home can be considered more of a risk by the insurance company so you may have to pay a bit more. There are exceptions, however, such as if you have an outdoor wood heating system that is set up away from the house.