Since your house is under construction, you should take advantage of the opportunity to run a lot of wires around, including speaker wire, to support all of the likely locations for your surround system (including for speakers you don't have yet), second and third zones, etc. Most of the runs (maybe all, depending on what you do or don't believe about speaker wire quality) can be done using inexpensive cable, especially since the biggest benefit of in-wall wiring is for the side and back surrounds. You can use banana plug sockets to set in the wall, near the intended speaker locations.
In addition to the normal coax and telephone wires, its also a good idea to run ethernet cables around as well. Even better is if you can find a good place for a "wiring closet", where all of the various cable runs terminate, and where connections can be made. (I don't think you want to run all of the speaker wires to a wiring closet location, necessarily, if this adds a lot of length to the wire runs. For speaker wires, direct minimum-length runs are probably best, although it implies more advance planning on where things will be located.)