If you are planing to buy a home you must think on the cost of it. You should consider the construction of your house.You must think about the natural disaster which may occur to your house. You should insure all the contents of the home from fire, earthquake ect. But you have to assess the right coverage deal to keep safe from fire, wind storms and other natural disasters. You may consult with an agent before going for home insurance.
You may want your policy to be reflecting the value of your house and other contents of your home. You may review your policy every year and you will be able to make the necessary adjustments.
If you are living in a high-risk area which is very vulnerable to coastal storms, wildfires or may be crime zone check first with an independent insurance agent if you think you will be forced to buy a home coverage from your state's high-risk insurance pool. You can still buy insurance at a lower price in the private insurance market than that of state's insurance.
Now day’s many insurers will be checking your credit and will be to adjust your price based on your level of risk as judged by your credit history. You should make it sure that your credit is in good shape when you are applying for insurance policies.