Make sure your policy is offered through a reputable insurance carrier. Avoid fly-by-night operators who pull you in with cheap gimmicks but abandon you when your house burns to the ground.

Make sure that you receive a comprehensive policy review and a competitive price quote. Different insurance carriers have different price and policy structures. Have your insurance agent explain your policy in detail, along with all of the options available to you.

Finally, make sure that your insurance carrier is customer-focused. If an insurance agent can't give you fast, courteous customer service when you are buying your policy, they won't be there for you when you need to file a claim.