Start with an independent insurance broker or agent who can shop multiple carriers, then buy the coverage you actually need at the lowest price that provides it. The logic is the same reason we like mortgage brokers over a single bank, and it matters more now that some big-name insurers have pulled out of certain markets entirely. The carrier you would default to may not even write policies where you are buying. Most standard policies cover similar basics like replacement cost, and levers like your deductible move the premium up or down. A few practical notes: - Do not bundle out of habit. Pairing your home policy with whoever handles your auto insurance can be a good deal, but only if it wins a real side-by-side comparison. - Expect some hoops. Some carriers require a replacement-cost estimate on the back end. More legwork for you, though most of the property data they need is public record. - Shop it seriously. The spread between carriers on the same house can run into the thousands of dollars a year. Make several calls before you commit, and get your quotes early enough that an expensive surprise cannot derail your closing.