The key rate determining factors are: the size (square footage), age of the building, construction type, (brick or wood), location (hurricane, wild fire, or hail zone), are there functioning sprinkler systems or other protective devices, heating, cooling and electrical systems maintenance, and of course the number of property and or liability losses that have occurred on the property. (Hint) look for companies that reward you for consistent maintenance, and a strong focus on resident compliance to guides and standards.