There is no straight-forward answer to what building materials you use for your house and the homeowners insurance rate you will end up with. Here's a tip to keep in mind that may help you make a decision: brick, stucco, and concrete are preferred by most insurers because they tend to be flame-retardant so the risk of losing the whole building decreases.
Depending on your insurance company there are two ways you can go about getting auto glass coverage: through your comprehensive coverage, which includes glass protection, or you can add specific glass coverage if your insurer offers it. This comes with a separate, much lower deductible for glass damage compared to your comprehensive deductible.
I recommend setting up your insurance policy before you pick it up because you will need to have insurance as soon as you drive off the lot. The seller shouldn't have to be involved when you're choosing a policy.
No, you don't have to report to your insurance company that you received a citation. But when it comes time to renew the policy, your insurance company will check your MVR (motor vehicle report) and probably raise your premium accordingly upon seeing the ticket.
There are a couple of things to consider to get insured. Because your sister will own the vehicle, any insurance policy you get will require you list her as an additional interest, just like if you were financing a vehicle.