What To Look For When Choosing Homeowners Insurance? 
You should look for an agent who will visit the property before doing an application . This is necessary so they can tell you if there is things the insurance company will require that could affect your rate or could cost you a lot of money to repair/replace . The agent should go through the included coverage in detail and give you an expection of how to contact them - even after hours - or the insurance company directly . They should also walk you through the claims process and what to expect if something bad happens . 