What Information Do I Need for a Homeowners Insurance Quote

What Information Do I Need for a Homeowners Insurance Quote


Getting a homeowners insurance quote is a great way to compare rates and find the right level of coverage to satisfy any requirements of your lender while also staying within your budget. However, you have the responsibility to provide information to get those quotes and it is a good idea to have the information handy so you can breeze through the process. To help you know what information you will need for your homeowners insurance quotes, take a look at the information below.


Home Information Necessary for a Homeowners Insurance Quote

You can begin with what you will need pertaining to the home to be insured. Most quote forms will ask for:


  • Address
  • Age
  • General structure type
  • Number of rooms (bedroom and bath)
  • Roof type
  • Square footage


Some companies or online quote sites may ask additional questions, so be ready with as much information as possible about your home or any prospective home you are considering for purchase.


Personal Information Necessary for a Homeowners Insurance Quote

The people owning and occupying the home will also be an important part of the equation when it comes to determining rates. You will be asked personal information, such as:


  • Age
  • General claims history for past policies
  • General credit score
  • Length of time at current address
  • Marital status
  • Number of people in household
  • Occupation
  • Sex


Again, other questions may be asked depending upon where you get the quote, so be ready with your information.


Other Items Necessary for a Homeowners Insurance Quote

There are more items covered on your policy than just the home itself, so your quote will also need to include information about those items. Common policy components include coverage for other structures on the property, in-home contents and liability protection. You may also need to give information as to the monetary value of coverage you are seeking for the additional structures on the property, the monetary value of your in-home contents and how much liability coverage you would like. The other structures on the property will consist of unattached garages, work shops, driveways, fencing and retaining walls. An in-home inventory will help you to gauge how much coverage you need for your personal belongings.  


Accuracy is Key to Getting a Good Homeowners Insurance Quote

No matter what specific information is asked for, you absolutely must make sure the information you give is as accurate as possible. A quote is virtually worthless if the information provided is not accurate. If you decide to purchase homeowners insurance through a specific company, they will double check all information before issuing the policy, so your rates could change significantly if the answers you provide are not correct.


Getting Your Homeowners Insurance Quotes Online

Online will be your best bet for getting homeowners insurance quotes if you are looking to get your quotes quickly and at any time of day. There are plenty of reputable sources on the internet that provide secure servers for your information and can provide you with accurate quotes from the top homeowners insurance companies in your state. Online quotes are free, allow you to get multiple quotes from one application form and take only about 15 minutes or less. How could you go wrong when the potential savings from comparing homeowners insurance quotes is worth hundreds of dollars per year!



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