My wife and I are closing on our first home (appraised around $230k with a $180k mortgage) and the homeowners insurance quotes we’re getting are all over the place. We bundled our auto insurance hoping for savings, but the home insurance premiums still seem high. As first-time homeowners, we’re not sure what coverage to prioritize or if we’re overpaying. What steps did you take to find the right homeowners insurance and ensure you weren’t getting ripped off?