Two lots three miles apart, same size, same six-week season, can land on different quotes. These are the factors that usually explain the gap.
1. Estimated gross sales
A higher sales volume generally means more foot traffic and more transactions, which factors into how an underwriter sizes the risk.
2. Additional attractions
A straightforward tree lot with no extras is a simpler risk than one with inflatables, a petting zoo, or a hayride added on. Each of those gets its own underwriting questions and can move the price.
3. Number of locations
Running trees or pumpkins at five sites instead of one increases the total exposure being insured, even if each individual lot is small.
4. Whether you offer delivery
Delivery with your own employees, especially without proof of their auto insurance on file, is viewed differently than delivery handled entirely by a third-party company.
5. Landlord-required limits
If a lease calls for $2,000,000 per occurrence instead of the standard $1,000,000, the higher limit itself affects the price — more available coverage generally costs more than less.
6. Term length
A 6-month term covers a longer window than a 3-month term, which is reflected in the price difference between the two.
None of these factors are things to hide or round down on an application — they’re exactly what determines whether the quote you get actually matches the business you’re running.