There are so many factors involved in the calculation for home owners insurance premium. I suggest contacting an Insurance Broker as they are Independent Agents and able to shop around to truly get you the best rate possible. Many agency's are what is called a Captive Agent, and they can only quote you through the one company they represent. The best agent I know is at JMI Insurance in Beaverton, ask for Nathan Jonas if you are looking for great rates and as well as service.
Homeowners insurane is the same with or without a loan. may i suggest you contact becky wiley american family insurane for a quote. premeims depend on valur, replacement costs, age, location and similar/other criteria.