I know this may be a little late. But I'm an insurance agent, I won't mention for what company. Make sure that your homeowners policy is an HO-5. This provides you with the broadest coverage possible meaning "all perils" covered except where excluded ie earthquake. While some companies may offer a lower premium, but the policy is very strict, called an HO-3. This means that the homeowners insurance will only cover the things listed, nothing else.