Best of Luck,
Century 21 Tenace
Stick with the more recognizable names such as All State, Geico and any other known carrier. The other less known insurers may have cheaper rates but in the event of a claim it is also extremely difficult to collect.
You are required by the lenders to maintain a policy which covers the full amount of the loan but will not include your personal belongings. Therefore if you would like additional coverage to include your personal claims or items you should request a policy above your loan amount. Again, discuss this with your agent and attorney before making any decision.
Banks wont loan you money without home insurance, they want to protect their investment
in the event your home burns down or gets destroyed.
Go with http://www.einsurance.com or http://www.geico.com or the one you have your
car/s insured with.
Generally, you want to factor in liability coverage, that is worth the value of your home plus
savings, plus stocks or tangible assets.
May want to also set up a Trust, and get in touch with a Trust lawyer.
Contact me at email@example.com or call me at 631-425-6150 and I will be happy to share.