I want to know that I'll be okay whether it's an act of God (like a freak storm dropping a tree through my living room) or an act of stupidity (like leaving a candle or something and burning down the house). What really worries me is coverage for hurricanes. I don't mind a higher deductible but I hear so much about people who thought they were covered, only to be told they didn't read the hurricane clause carefully enough.

I know I would have to purchase flood insurance separately due to zone I live in, but my landlord cannot provide a certificate of elevation (which is needed otherwise I have to buy the $3000/year option). I have a feeling a survey would be more expensive than it's worth.

So what kind of questions should I ask or what warning signs, etc should I look for?

Find a insurance agent that is honest about everything, even the bad stuff. If you speak to multiple agents, the good ones will all say about the same thing. Ask specifically about hurricane coverage and read the info carefully several times. Also, I think you can contact FEMA to get the flood zone information, at least that what you do when you buy a house.