Home Birth/Water Birth

My husband and I are planning to start trying for a baby next year and we are looking into home birth and water birth. We like this because it will be in the comfort of our own home and it won't be such a stressful environment not to mention hospitals just seem nasty to me. Anyways, has anyone had an experience with home birth and does anyone know the cost? We aren't sure if our insurance covers some of it but we are looking into it.