Before you purchase a home, make sure that you will be able to find an insurance company that will sell you homeowners insurance for the home. It can be a real problem to find insurance for some homes, however, if you are willing to pay extra you can usually find insurance for most properties. Since this type of insurance is a must if you need to get a mortgage, it might help to know what types of homes might be difficult to insure, as well as where you might look for insurance options.