It can be difficult to insure a home. Here are some reasons: A history of many claims; an area of frequent natural disasters like hurricanes, a foreclosed property where the previous owner may have damaged the property in "hidden" ways; a home with a pool or trampoline is considered an attractive nuisance. Add a fence and you may need additional liability coverage. Just about anything can be insured if you are willing and able to pay for the extra coverage. Ask questions and shop rates - it's amazing how they can vary just depending on the county crime history or population.