If in the event of a total loss by fire...you would get 100% (at least some are written to 125%)of the $200,000 + the $$ of your contents....+ other expenses.....my point is this....the insurance company values your house at what it would cost to REBUILD IT TODAY (unless you get a policy for "market value" (I don't recommend))....with the price of labor(unions, updated codes etc) and materials, its more expensive today to BUILD....
as said previously...make sure you get at least an HO3....most companies have a better policy for a few $$ more....most of the time, the more comprehensive is worth it.
I will leave you with this.......As an agent I've seen only 2 house fires for my clients. You should pray you never have to use your HO's insurance for a total house fire.
oh yeah, call your auto ins company and see if they offer HO ins.....if not, get all your auto insurance stuff and bring it to the same place your looking at for HO ins. Make sure you let them know you want to bring your car ins as well. Good Luck...Allstate has some good rates if your driving record is good and your credit is good.....not sure of cost but $350-$400 year sound about right....