When I realised I needed a ghost story for a class I found out that I don't know what the conventions of this genre are. Conversation with a colleague led to agreement that there needs to be a ghost or a supernatural event, but we weren't sure about other common features. For example, although the ending is usually bad (for someone) does it always end in a death? Are they usually third person narratives? Are most ghost stories Gothic i.e. medieval setting, lots of blood, death, etc.?
I am not asking for examples of ghost stories -- I have read a few, though they are not my favourite genre -- but instead for ideas about what you think makes a good ghost story. (Can we take it that suspense and an element of fear are givens?)