Do you mean drops as in "signal strength decreases" or drops as in "drops out"?
One thing that can affect this is whether you are using VoLTE (Voice over LTE): if you are not then your phone will have to switch bands to take a call, and it's quite common not to have the same signal strength in different bands, so if you end the call and the phone switches back to 4G then the signal strength will change.
Another factor might be whether you are using WiFi calling.
And as for dropping when you are away from home, see above: if it is changing band then signal can go up or down, so sometimes it will go down.
This is all just speculation: there's not enough information to say. But that's my first guess.
I'd also say that it makes a big difference whether it is "dropping lower" or "dropping out". Dropping out matters, but the number of signal bars decreasing probably doesn't.
Signal bars are only a very rough guide, and generally shouldn't be taken too seriously: they vary between phones, and they don't mean the same thing between different bands on the same phone. They can even change with a software update - and I don't mean that the reception actually improves (though that's also possible), there have been several cases where manufacturers have "fixed" complaints about bad reception by changing the levels at which it shows 2, 3, 4 bars or just changing how long it averages over before updating the bars. Such playing about makes the signal bars "look better" without changing the phone's reception at all, but this is generally enough to make complaints go away. So there are many things that can change the number of bars displayed, and beyond "more bars means higher signal" they don't mean anything much. So if it can make a call or download some information then it's working and I don't worry much otherwise.