We are currently looking for home owners insurance for our new house (first house) and now I have a few questions:































1) What are the "important" questions to ask while getting a quote?































2) So far I received several quotes already and all of them vary quite a bit. What are the most important points I have to look at, so I can compare "Apples-to-Apples".































3) The property is sold in the $600k range, but the "replacement value" on the quotes is usually in the $200k to $300k range. Is it normal for the replacement value be so much lower than the selling price?