What To Look For In A Homeowners Insurance? 
Here 's a few things that I would pay attention to . You 'll want to have an A Rated carrier by AMBest . You 'll also want to have an `` All-Risk '' Ho3 or Ho5 insurance policy with replacement cost on the dwelling and contents . Try and take the highest deductible you feel comfortable with . This will keep your premium down and save the insurance for catastrophic events . I would recommend you speak with you local independent insurance agent so they can assess your situation and needs . 