If the base requirement for life is liquid water, then it is a generic property that you find it in most moons and dwarf planets, usually driven by pressure and geothermal or tidal energy. If the under layer is rock instead of ice you could have thermal vent economies like we have in ocean rifts.
In comparison the Earth is a really dry place, the most special thing about it is that the plants support an oxygen economy that might not be necessary for complex life but it sure helps.
Any species that masters interstellar travel is going to know how to cut up something like Ceres or Pluto into hundreds of thousands of miles of shopping malls and apartment buildings and might not find inner solar system bodies that interesting. In fact they might not even have an off-the-shelf landing vehicle that would work on Earth and might spend a few years developing one.