Say one place you can buy is apartment sized with a bunch of other neighbors, super safe in a city. However it's expensive because lots of people are looking for a safe home.The alternative is a manor out in the wastes in the middle of no where, no protection from a city. There's the possibility of raider attacks or your enemy factions going to assault it. But it's dirt-cheap. This is where it gets interesting.
- Those extra companions you have but can't have tagging along with you because of the limit? You can send them to your house where they'd live there and protect the property for you.
- If they scout an enemy too fierce, they'll switch on a ham radio and if you're in the area "Emergency Attack Radio" will appear.
- If they can't defend the house, they'll run away to you and a miniquest will appear: "Take Back The Homestead" where you regather your companions and any possible hired mercenaries and lead an assault to recapture your house.
- You could also fortify your house with each passing in-game week (turret installation takes time) and make it into an impenetrable fortress for stronger hordes of enemies to try and attack while you are away.
- The benefits of defeating your attackers? You loot them for all they have. Your companions pick clean what they have on them, clean their gear and keep it in a chest for you to collect
It opens the possibility up for multiple sidequests as well as repeating quests to profit and gain experience from.
- "House-Sitters" This would be the opening quest once you buy the hosue. A company that makes its money from 'defending' people's properties charges an exorbitant amount of money. They're essentially scamming people by making problems, sort of like Orris the escort from Fallout New Vegas. There isn't really trouble, they just makes it seem like it. You, having only so much cash say "I'd prefer to have my house taken care of by my Companions" or "I'd rather take care of my own house myself" to which they walk away. Later, its revealed they're going to attack and kill you in order to resell the house and get someone else to buy it, then pay for their services. You defend your house successfully and scare them off until a later date.
- "Revenge For The Homestead" You've been attacked by one raider group multiple times. When collecting what they had you find a note. Their leader is sending them to attack you in order to capture your house and belongings. You have to go after them, hunt them down and kill their leader or scare them off somehow in order for the attacks to stop.
"Secure the Homestead" A caravan (or other similar traveler) notices that the path by your house has become safe, which is a faster route than their current route. The next time you go to your house, you find a note left for you requesting you to meet a caravaneer and secure a deal for allowing them to pass by your home unguarded. But in order to do that, you need to first make sure that any return attackers are dealt with. Once you've done that, each time they pass by your house they'll drop off a bit of profit as thanks, whether it is currency, ammunition, medical aid (stimpaks) based on what kind of caravan you get passing by.
This could just be one house out in the middle of no where, or there could be multiple locations to choose from, each customizable in their own way in the terms of defenses and overall appearance. For example, you could pay to get a sniper tower or a few sandbags from the local military to put on the roof so that way a sniper could look out and see incoming enemies to radio in for help.
This is just an idea I've thought about, inspired from a dream I had just last night. Please comment, share and tell me what you think. Give me some input!