Home insurance is an important thing to have, but that does not mean you enjoy paying the bill every month. In fact, if your home insurance premiums are through the roof, you may even dread paying the bill. The truth is that many different factors can increase your insurance costs. Here are five reasons why your home insurance is expensive:

You Own an Aggressive Dog

If you own a dog breed that is considered aggressive, you may likely have to pay more money for your home insurance. This is because aggressive dog breeds, such as Rottweilers and pit bulls, have been known to attack people and your insurance company wants to protect themselves. However, you don't necessarily have to get rid of your dog. If you send your dog to obedience school, your insurance company may cut you a deal.

You Have a Low Credit Score

A poor credit score can affect your home insurance costs more than you think. If you have a less than stellar credit history, your insurance company may believe that you will be more likely to make claims. Make an effort to improve your credit score so that your insurance company can lower your rates.

Your House Needs to Be Updated

It is important to keep up with necessary maintenance and repairs with your home. If you don't, your insurance company may charge you more for home insurance. For example, if the electricity system is old and faulty, it can increase the risk of  a fire. Your insurance company will be aware of that and may see you as a liability.

You Have a Trampoline

A trampoline may keep your kids busy for hours, but it affects your home insurance rates more than you think. Kids have been known to fall off these trampolines and suffers serious injuries. If your kids' friends get injured while jumping on the trampoline, your insurance company will be held liable for the damages. If you want to save on your home insurance costs, you might want to consider getting rid of your trampoline.

Your Neighborhood Has Had Many Break-ins

If your neighborhood has had a lot of break-ins lately, your insurance company may charge you more money for your insurance premiums. One way to get your rates reduced is to install an alarm system in your home.

If you follow these useful tips, you can pay less for your home insurance. To learn more, contact a company like Accredited Insurance Group Inc.