When you're looking for home insurance, be sure to take all the time you need to shop around. You're more apt to find a better deal after you compare policies and prices. With the wealth of insurance companies to choose from, it's never a good idea to just buy the first policy you see.
Look at a variety of factors when you compare policies. Take a good, hard look at exactly what is covered, and what is not. You'll have a better chance of getting a policy you're happy with in the long run if you do this.
Decide on a deductible. The higher the deductible, the lower the monthly premiums will be, and vice versa. When you take the time to do your advanced research, you're more likely to find the best policy for your needs as well as your budget.