Using Insurance criteria to guide your home purchase?

Recently I have been speaking with a number of home insurance brokers about how they measure the risk factors of insuring a home. Below are the questions each oneasks each prospective home insurance client.

1. Does the home have a wood burning stove or fireplace?

2. What type of heat does the house have?

3. Does the home have a basement?

4. Does the home rest of a foundation or a concrete slab?

5. Is the home built on a slope.