Clearly you should always perform a good amount of due diligence when searching for any policy. Be sure to compare the differences in services offered and prices quoted. There are many discounts available for different things, don’t forget to ask if you qualify for any of them.
Remember that the deductible will largely affect the price of the premium. It is a good idea to keep the deductible as high as you feel comfortable with to keep the premium down.
You can generally get a better deal when you purchase your auto and house policies from the same company and you can also get a better rate by not insuring the land.