What Information Do I Need to Get Homeowners’ Insurance?

Everyone who owns a house should have homeowners’ insurance. It will protect you financially in the event of a range of problems, from fires to natural disasters. As with any other type of insurance, you should take some time to compare quotes from various insurers before signing up with one.

Discover what information they will likely ask you for so that you can have it on hand when you are ready to get a quote.

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Personal Information and Information on Other People in the House

Expect to give the insurance company your basic information, including your full name and marital status. They will also want to know how many people live there and will likely ask about pets. They will also likely confirm that you don’t run a home business.

Details About Your House

Expect any company offering homeowner’s insurance to ask you some details about your house itself. This will likely include how long you have lived there. There will also be questions about your home and finances, such as if you have a mortgage, how much the home is worth, and how much it would cost to rebuild.

There will also be a lot of questions about details and improvements to your home, including:

  • Square footage.
  • Whether there’s a garage.
  • The year it was built.
  • The home style.
  • Number of bathrooms.
  • Number of fireplaces.
  • How recently the roof was replaced.
  • When the kitchen was last remodeled.

Safety Features

You will also get questions about the safety features in your home. These include information about fire alarms, burglar alarms, fire extinguishers, and deadbolts.

Your Insurance History

Most homeowners’ insurance companies will also want to know about your home insurance history. They will ask if you currently have homeowners’ insurance. If so, they may ask about what’s included and your rates so that they can make a competitive offer. They will also want to know about any past insurance claims on the house.

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