1. ONLY INSURE YOUR HOME
You don't want to insure based on the assessed value of your home because that includes the land as well as the house. You only need to insure your home.
2. SAFETY AND SECURITY FEATURES
Most companies give discounts based on safety and security devices such as burglar alarms, smoke detectors, sprinkler systems, fire extinguishers, dead bolts, window locks, storm shutters and fire resistant roofing materials. Be sure to mention this when you take out your policy.