1. Verify the type of coverage:
    - Cash value is the replacement value minus depreciation.
    - Replacement cost is the amount it will cost to replace your property or belongings without any deduction for depreciation.
2. Check deductibles, make sure the deductible is a manageable value and fits your needs in case of an emergency. 
3. If your home is in a flood or earthquake zone, you need to take out special insurance. 
4. If your house will be financed, verify the type of coverage required by the Bank or Lender.
5. Look for a trusted insurance agent.