US buyers: when would you want an address-specific insurance quote?

[MapleAndMain]

For a US home search, at what point would you want to move from a rough insurance allowance to a quote for the actual property?

Interested in the buying workflow, especially where cost or availability might change the shortlist.

 

[YieldAndBricks]

Early enough for the result to change the decision. I'd want the assumptions and coverage alongside the premium, so a lower number isn't just less protection.

 

[SecondViewing]

And somebody qualified to explain the exclusions and deductibles for that address. A national average would not settle whether a particular home fits the budget.