Factors That Affect Homeowners Insurance Premiums

What are the main factors that influence the cost of homeowners insurance premiums? Please explain how elements such as home location, replacement cost, age and condition of the house, roof type, construction materials, coverage limits, deductibles, claims history, credit score, and installed safety features impact pricing. Additionally, how do external risks like weather patterns, natural disasters, crime rates, and local building codes affect premiums, and which factors typically have the greatest impact on overall insurance costs?