Everything you need to know to get a home insurance quote

Everything you need to know to get a home insurance quote

You’ve saved for a down payment, arranged your mortgage, and picked out your new home. It might feel like the work is done, but there’s still one very important thing to do: arrange your home insurance. Review the information below to ensure you’re prepared with the required details. Doing so will make buying your home insurance as easy as pie (or should we say, as easy as eating pie).

Information about the applicant:

  • The full name and DOB of applicant, spouses, and any other person on title
  • Any previous insurance information (policy numbers, insurance company, effective dates, any previous cancellations, etc.)
  • Mortgage and/or lawyer information (lawyers name and phone number, loss payable name and address)
  • Previous addresses (as many as you can remember from last 5 years)
  • Any previous claims you have had (general dates, details and dollar value)

Information about the house:

  • Possession date
  • The full address (including postal code)
  • The year the home was built and the year(s) and details of renovations
  • The square footage of the home
  • The physical shape of the home (rectangular, square) and how many stories
  • The primary siding material (vinyl, stucco, etc.)
  • The roofing material and when it was last replaced
  • Basic information regarding the interior of the home (how many bathrooms, bathroom type, basement type, etc.) and exterior of home (decks, attached garages, etc.)
  • Materials and update information for the following:
    • Plumbing- materials and year last updated/replaced
    • Electrical- what type of wiring, fuses or breakers, amperage service and when it was last updated/replaced
    • Heating- what kind of heating unit you have and when was it last replaced
    • Any details of loss prevention measures in the home, especially related to water (sump pumps, backwater valves, etc.)
    • If you have a monitored alarm system, bring the name of the monitoring company and a copy of the alarm certificate
    • Any appraisals you may have for special items like jewelry and fine arts

The premium you pay and the coverage you’re eligible for can be dependent on the above details, so providing as many as you can will help us to get you the right package at the best price. Give us a call or check out a quote right now.