Before you start your online search for homeowners insurance, talk to your family and discuss concerns and areas of interest. What types of things does each family member feel that you need to be covered for? Earthquakes? Hurricanes? Who has personal possessions that they want appraised and insured?
How about your home security? Ask if your family would be more comfortable if you installed a wireless alarm system. It can make your house safer and lower your insurance costs as well. Maybe a member of your family can think of a way to save on your home insurance that you have not thought of.
After you talk with your family, make a list of all personal possessions you want to insure, hazards you want to be insured against, and any other questions anyone may have. Then start rounding up some online quotes for homeowners insurance. If you find all the answers you were looking for and a quote that works for you, you can buy home insurance online whenever you are ready. If you still have questions, contact the provider directly and get them squared away.