A robust and durable walls around your home could benefit you. However, if don't have one or poorly built fence, this may be against your best interests and could result in higher rates. Your garage's Features The features of your garage are yet another factor you must take into consideration when choosing house insurance rates in the rural area. If you have an attached garage that is built with strong walls, this could be advantageous. Attached garages can result in higher premiums. If you are able, ensure certain that your garage is detached or integrated. The kind of Heating System Used Insurance rates on rural homes can be affected by the type of heating system you own. The likelihood is that you'll have to have to pay more for insurance when your heating unit is wood burning. It is also possible to benefit from newer systems, like solar panels that emit very little or no emissions. What Types of Roof Materials are used? In determining your rural home insurance rates, it's crucial to take into consideration the type of roofing material you've got. Certain kinds of materials are more expensive and can cause more trouble to repair. If you're living with flat roofs, or made of metal that could hurt you. However, roofing shingles tend to be easier to fix and maintain, even when they involve repairs to storm damage. The insurance company you have with will pay an affordable rate for roof materials that are simple to maintain and repair. No matter if or not You have A Guest House The value a guesthouse brings to an area directly affects the home's insurance rate because it depends on the number of people who could possibly be staying in the particular structure. What does this mean to your home insurance rate. .