I believe you should contact an insurance broker before you commit to SF. I use insurance brokers here in S FL because otherwise, buyers would be paying astronomical rates. They are well worth checking into. Get a referral from your lender and any of your homeowner friends that have an insurance broker. I know SF doesn't do that (at least they don't do it here).
Ask your insurance broker what features help reduce the rate for insurance.
Here we have to have a wind mitigation report to even get a quote (9-page report done by certified inspectors - not insurance co people as they have a vested interest in having the highest rate and not the lowest rate). Things that reduce the cost here include: age of the home, type of construction, the shape of the roof, the age of roof, shutters, etc. See if you have something similar in your market. I have seen the wind mitigation report save the homeowner thousands of dollars every year on the insurance premium.
Insurance brokers are independent agents not tied to one particular company.