Home Owners Insurance – What to look out for?

We are currently looking for home owners insurance for our new house (first house) and now I have a few questions: 1) What are the “important” questions to ask while getting a quote? 2) So far I received several quotes already and all of them vary quite a bit. What are the most important points I have to look at, so I can compare “Apples-to-Apples”

On average how much more would the cost be for insurance for a house with a pool?

We are thinking about buying a home in So Cal that is a 4 +2 house on a 10,000 sq ft lot. The house has a pool though, and our concern would be what the cost of insurance would be. The pool is deep, and there is no diving board, and at the present time there is no fence.