Coverig your home is getting much more expensive in certain areas but it's good to know that homeowners insurance is still more affordable compared to auto coverage. That is of course unless you have a large estate and if you have a large estate, get the advice of an attorney or accountant.
     In some areas plagued by flooding there may not be any coverage offered. So called natural disasters such as earthquakes and flooding are usually only covered by special policy riders. There can be a large additional premium for these riders. Flood rating and earthquake history are very important to consider before you purchase a home so that the insurance cost wont add too much to monthly housing cost.
     The older homes have a lot of charm by appearance but can be an insurance nightmare if purchased without a home inspection to insure there are no code violations for wiring, plumming and gas supply. If an inspection is not done to uncover such problems, they may not be discovered when a major repair is needed and the service  professional tells you they can't touch it unless they are going to redo the whole system. This relates to insurance in that for example it is discovered that wiring  out of code caused the house to catch fire. The insurance company may be able to only pay policy default minimums or nothing at all.