Two-up two-down, terraced or semi? Different types, and different sizes, of property are all assessed differently. Insuring a detached house isn’t the same as insuring a flat, for example, so the premium can, of course, be different.
If you think about it, the more it’ll cost to replace your contents or the more your home will cost to rebuild, the higher your insurance is going to be. That’s why we ask you the number of bedrooms, before giving you a price.