Protecting your home against a variety of different things that could happen to it is obviously a good idea. You do not want to have to pay out of pocket if you find that someone or something (Mother Nature) has done damage to your home.
There are many people who get high value house insurance to protect very expensive homes. It is true that insurance like this can be very pricey at the time that you purchase it, but it is invaluable when you actually need it. Being able to gain access to that much insurance is a sure fire way for you to have the peace of mind that you are covered in the event that something terrible does happen to your home. It is still going to be a headache to deal with, but at least you will know that you do not have to pay out of pocket for all of this damage.
Consider using a variety of different comparison websites to find the insurance that you want at a price that you will actually be able to afford. You can never know exactly what offers are out there in the marketplace until you really start to look. You are going to want to get on this right away.