Location: Coastal, wildfire-prone, flood-prone, or remote areas usually cost more to insure. Distance from fire and emergency services: Slower response can mean more severe losses. Occupancy pattern: Homes vacant for long periods generally cost more. Rental activity: Short-term or seasonal rentals often raise premiums. Age and condition of the home: Older homes or poorly maintained ho... https://www.insuracarelife.com/blog/how-to-get-higher-payouts-on-commercial-property-insurance-claims-in-california/