Its good that your evaluating options when shopping for Home Insurance, but consider more of what you don't see verses what you do see for example "Exclusions". Many homeowners evaluate their options based on comparing what they do see as "Policy Coverage", placing them side by side. Although one policy may appear to be less expensive than the other it may have something to do with Policy Exclusion like Flood Insurance, Home-office related, Business related, Sewer back-up, Pool etc..
Ask the prospective insurance agent to list out for you the exclusion within the policy and you maybe surprised by the response. The Agent may forward you a packet containing exclusions, if your great with reading and understanding legal jargon fantastic. However if your uncomfortable with reviewing the exclusion within the policy you may wish to seek a legal review or work with public adjuster to make sure that you have an expert reviewing the complicated language of your insurance policy
Hope this was helpful