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.
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.