Shop around for coverage and premium quotes as they will vary. The age, size, construction, location in relation to hydrants and the fire department , pool homes vs non- pool homes, and even the type of pets you have all effect the premium you will pay. Also, the deductibles applicable to claims/losses may vary. For example, most of the insurance companies are quoting a 2% or even 5% deductible of the insured value on Hurricane losses and it may be possible to get a lower deductible for a little more premium. .. you need to ask for the lower deductible options.
I would suggest that you start with the insurance agent/company who currently provides your auto insurance and then shop from there for comparisons. If you have your auto and home insurance with the same company, they usually give a discount.
Best of luck to you!
Suzanne Ogden, Realtor
Charles Rutenberg Realty