Basically, thanks to CLUE, you only really get to use insurance once. Take this into account when thinking about your premiums and any claim you consider making. Insurance is for the big fire that takes it all. Also (in my experience), hire a lawyer who's wise in the ways of insurance weasel-speak to shepherd your claim. They're worth more than their fee in additional payout.

Lastly, always investigate how hard it will be to get insurance on a property you are considering buying. Water and/or mold damage claims typically remain against a property in the CLUE indefinitely.