Choosing Insurance Doesn't Have To Be Stressful

The Info You've Got To Have To Buy Homeowner's Insurance

If you need to buy homeowner's insurance, you probably want to get the policy in place as soon as possible. To do so, you need to have some essential information available when you call your insurance agent to set up the policy. Keep reading to learn the essential info that you'll need on hand to get the protection your home needs.

Information About Your Home

There are multiple questions that a homeowner's insurance agent will typically ask about your home. These include, but may not be limited to:

  • When was your home originally constructed?
  • When did you buy the home?
  • Who is your mortgage lender?
  • What is the material your home is made from?
  • How many levels does your home have?
  • How old is the roof on your home?
  • How old is the plumbing system in your home?
  • How is your home heated and cooled?

Your insurance agent will typically also ask whether you have installed safety devices in your home. If you have these safety devices, it can lower the cost of your homeowner's policy, so you might find it worthwhile to install them if you haven't already done so. These devices include:

  • A smoke detector
  • A carbon monoxide detector
  • A home security system
  • Fire alarm system
  • Deadbolt locks on the front and back doors

Information About Your Possessions

One of the main purposes of homeowner's coverage is protecting the contents of your home. Since listing all your possessions can be time consuming and difficult, your agent will usually just ask about the more valuable and unusual things that you may have in your home. The information you will need about these things includes:

  • A list of jewelry, and the approximate value of the items on this list
  • A list of any valuable antiques in your home, and approximate value
  • A list of any valuable collections in your home, and the value of each collection
  • A list of any other highly valuable items in your home, and the value associated with each

If you have appraisals on any of the items listed above, ask the insurance agent if they would like a copy of the appraisal. It can help definitively establish the value of the items in question.

Getting home insurance is a fairly straightforward process as long as you come prepared. Having the information discussed above will not only make it easier for your insurance agent, it will also make it much simpler for you to get the insurance you need fast!