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A lot goes into determining the cost of your homeowner's insurance plan. One major factor is the age and condition of the electrical and plumbing systems. Older pipes tend to be more susceptible to freezing in cold weather or cracking, developing mold and other problems. Older electrical systems are more likely to short out and/or pose a fire hazard.
If your home has one or both of these issues, you policy is likely to be more expensive. In this case, it might be beneficial financially, as well as for safety reasons, to have these systems upgraded. You may have to pay a fair amount to do so now, but it should lower your homeowner's insurance costs in the long run because you will be less likely to file a claim related to one of these issues.
If an insurance provider sees something that they expect to eventually lead to a future claim, they will either ask that you take care of that item beforehand or charge you more because they are anticipating having to deal with it down the road.