Maybe there's a different question you should be asking... whether the house doesn't meet current code requirements for fire or other safety measures. Occasionally, a house will be so far from code requirements that it will become virtually uninsurable. Clearly, this would be more common in an older home, but it could come into play if the insurers know that some part of new construction didn't meet their standards. For example, here in Florida, there is a relatively high number of houses built with substandard Chinese drywall. This drywall produces sulfur gas under certain conditions, which then destroys the houses plumbing.
I'd be asking the insurance companies you've asked for quotes what factors went into computing the rate. If there's a known issue, clearly you want to know BEFORE completing the deal.