Construction cost happens once.
Insurance happens every year.
So understand whether major design choices affect the ability or cost to insure the house.
Roof geometry, material, fastening, storm resistance, and age can matter.
Impact windows, shutters, garage doors, and exterior openings can matter.
Flood elevation can have long-term financial consequences.
Construction type and protection systems may affect underwriting.
Do not assume that because something is legal to build it is financially sensible to insure.
Talk to an insurance professional before final design in areas where hurricanes, floods, wildfire, earthquakes, or other hazards materially affect coverage.
The time to discover that a design feature makes the house extraordinarily expensive to insure is not after the certificate of occupancy.