Yes you can. If you have an excellent credit history, your home is not of a high value, where your home is located and you have never made a claim before. Like the perfect storm all these conditions must align for $300 homeowners insurance.

Then if you have $300 insurance I would suggest that you like many others have undervalued their home. Remember you will only be covered for the stated value of the house. So if your house burns to the ground will the coverage really help you replace it?

I would suggest full coverage with a high deductible. So if in the circumstances that the worst does happen you will be more than happy to pay a few thousand than a few hundred thousand.