Homeowner's Insurance

I am trying to figure out if an investment is likely to work out for me.

I can’t find any web sites that give accurate quotes of homeowner’s insurance. For a single-family home appraised at about $150,000, what should I count on?

How can I shop for the cheapest insurance, or find accurate quotes?

Also, let’s say that I own a used mobile home in a rural area that is paid off. Is it still mandatory to have homeowner’s insurance? Basically, does the BANK require the insurance or does the STATE require the insurance?