If you want to get the best home insurance at the cheapest prices I would highly recommend working with an insurance broker. An insurance broker works with many different insurance companies and is able to shop for the best insurance for you.
An insurance broker is often referred to as an independent insurance agent. They do not work for a just one insurance company. Agents that work for just one insurance company are called captive agents. A captive agent can only sell the insurance their company offers. In other words you are force fitted into the insurance policies they offer.
The independent agent can shop your insurance to dozens of different insurance carriers at one time. This way you know you are getting the best insurance and the best coverage at the best price. This saves you a lot of time and trouble in trying to shop for insurance yourself.
Every insurance carrier has different underwriting guidelines. One carrier may not like your profile and thus offer you higher rates. While the other carrier may love your profile and offer you lower rates. That is the beauty of the independent agent in that they can really save you lots of time and money.
If you happen to live in Oregon I would highly recommend Focus 1 Insurance. They are an independent insurance company with two offices, one in Medford and one in Portland Oregon. If you want the best insurance at the cheapest prices they are the insurance company you need to call.