What to look for when buying a home, some Insurance tips:
*The newer the lower the insurance
*Be aware of the Flood zone, X doesn't require Flood insurance, Zone A requires Flood insurance and can be very costly.
*Metal roof's cut your insurance cost (discount)
*Check the Fire Department (ISO Ratings 5 or less keeps your insurance low)
*$1,000 deductible is Recommended to keep your insurance cost low. Home insurance is for the major losses, unlike auto insurance, claims are rare.