What Information do I Need to Provide to My Insurance Agent

Determining what is covered and how much it will cost for homeowners insurance is dependent upon the information that your homeowners insurance agent gets from you. Most of this information will be verified, though some may not. It is always very important that you give the most accurate information possible. The information that is verified will be changed and this can affect your coverage and rates. If a certain piece of information is not correct and a claim is put in, that claim may not be paid.


Personal Information to Provide to Your Homeowners Insurance Agent

The first thing your homeowners insurance agent will need is information about you as the homeowner and resident of the property. If you are the homeowner but not the resident, information may be required about the resident as well. The information required concerning you is:


  • Name
  • Age
  • Occupation
  • Credit history
  • Homeowners insurance claim history
  • Do you smoke?
  • Years at current residence
  • Marital status


Home Information to Provide to Your Homeowners Insurance Agent

Next, you will need to provide information concerning the home itself. This may require you to do a little digging through documents to find out specifics for your home. Again, it is critical that you provide accurate information so as to not invalidate your policy at a later date when you need to file a claim.

Most homeowners insurance agents will require the following information about your home.


  • Age
  • Location (address)
  • Type of structure
  • Appraised value
  • Type of heating and cooling systems
  • Presence of security systems
  • Presence of fire alarms and sprinkler systems
  • Location of nearest fire department and fire hydrant



Provide Information About Home Contents and Other Structures to Your Homeowners Insurance Agent

A homeowners insurance policy also extends to the contents in the home and the other structures on the property. You will need to provide a value of coverage you want for both. This will require an in-home inventory of the belongings you want to be included on the policy. You can estimate or you may want to have an appraisal on the value of other structures on the property. These structures include other buildings on the property as well as driveways, fencing and retaining walls.


Provide Your Homeowners Insurance Agent With a Level of Liability Coverage

Liability coverage is also an important part of your homeowners insurance policy. Your lender will probably have a value they require for this and you can increase it if you like. It is a good idea to have around $300,000 in coverage for this. However, if you have risky items on the property such as a swimming pool or trampoline, you may need more. Even a dog of a certain breed may require additional liability. So, inform your homeowners insurance agent if you do indeed have or obtain any of these items or if you have dog.


The Same Information is Needed to Get Homeowners Insurance Quotes

The same information you give your insurance agent will be needed if you intend to get homeowners insurance quotes. If you are looking around to see where you can find the best deal, you can use online homeowners insurance quotes to help. Of course, provide accurate information and you will get an accurate quote. From those quotes you can choose the most affordable option, and then get in touch with that homeowners insurance agent to get your policy confirmed and any further questions answered.

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