two major factors that really determine the cost of a home owners insurance policy: Sales price of home, Age of home.
Other factors are deductibles, optional coverage (water in basement), credit risk, past claims, multiple policy discounts.
Here is a very basic approximation; a policy on a 150K - 200K home in central Ohio should roughly be $500-$700. I have a good posting/info on my blog about home owners insurance policy. See link.
HomeBuyer Advocate Mike