What Answers To Questions For A Home Insurance Price Quote Will I Need To Know?
|
Lets face it, finding the best home insurance price quote can be an aggravating task if you're not fully prepared with answers to the common questions that most insurance companies will ask. This article outlines the questions that an insurance agent will ask you when you're requesting quotes for home insurance. Having this information handy will make finding house insurance easier and save you valuable time.
The most obvious question that will be asked first deals with your address information. The home insurance agent will need your street address as well as the state, city and zip code. This information will be used as the starting point for all future questions.
A normal question deals with the approximate location of your home in relation to the nearest fire hydrant. You can also be expected to have to know how far the nearest fire department is from your house. The insurer will want to know if you have a fire alarm system and if so what type of system.
Additional questions will focus on whether or not anyone living in the house smokes and if your building has an internal sprinkler system. Make sure you know if you have a burglar alarm and what type of alarm it is because that question will come up. You might be asked if you live in a gated community and if you have a dog as a pet. If you do own a dog then the insurance provider will want to know the breed.
You can be assured that you will be asked how old you are and if the answer is over 55 expect a follow up question on whether or not you are retired. The insurance company will expect that you already have some form of homeowners insurance with another company so be prepared to answer that question along with if you have car insurance, if so - with what company and for how long. Don't be alarmed by such questions, as they are routine when trying to determine a home insurance price quote.
If you've made any insurance claims within the last 3 years then the home insurance provider will want to know the claim amount and the reason for initiating the insurance claim. You will also be expected to truthfully answer if you have ever had an insurance policy cancelled or non-renewed.
Questions that center on your home include, how many rooms in the house - without counting bathrooms, the number of people living in the house and a rating of your home from inexpensive to expensive. You will be asked if you own any property that is very valuable (such as: jewelry, antiques, home entertainment system, or a musical instrument)? You'll have to know what year the house was built, the type of residence it is, what building materials were used to construct the dwelling and if you rent or own the property.
As you can see although the list of questions is small having the necessary answers when you need them will save yourself as well as your insurance agent valuable time and eliminate unnecessary headaches. It may also help save money on your home insurance price quote.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website.
Other websites operated by Tim
Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.
Military-Loans-Online.com ? Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.
|
|
|
Cheap Insurance - Ten Ways
Cheap insurance? Auto insurance, life insurance, health insurance, liability insurance - whatever type of insurance you need, you can buy it for less. Try the following:1. Raise you deductible. Why have a $100 deductible if a $1000 deductible won't break you? It may hurt to pay the first thousand someday, but what if meanwhile you saved several thousand? High deductibles mean lower rates. Of course, get quotes with various deductibles, to be sure you're saving enough for the higher risk.2. Lower your coverage. Insurance agents secretly admit that people usually get sued according to policy limits. You'll be sued for more if your limit is a million than if it's a hundred thousand. A judgement beyond the polic...(related: Insurance)
Do I Need Travel Insurance?
In the United States health insurance, unlike many other countries, you can find dozens of Blue Cross Blue Shield plans. Hundreds of regular commercial insura...(related: Insurance)
Japanese Overseas Travel Insurance
If you are an expatriate planning on long-term residence in Japan you can, after a one-year stay, become a part of Japan's national health program. Until that time, however, you're going to need Japanese overseas travel insurance.Some of the Japanese overseas trav...(related: Insurance)
Origin Of Long Term Care Insurance
In the early 1980's Medicare started using a system called the diagnosed related group of guidelines for advance payments to hospitals. This has really given hospitals authority and incentive to discharge patients very soon after admission to the hospital.The hospital gets paid the same whether the patient is in 3 days or 6 days. So the hospital can make more money if they free up the bed sp...(related: Insurance)
7 Sure-fire Ways Of Reducing Your Home Insurance Premium
Home security improvement:All insurance companies will happily offer you a discount for burglar alarms and smoke detectors. Homes with fire and burglar alarms that communicate with a third party monitoring company receive a higher discount on their insurance premiums.When possible, choose a higher deductible:To reduce your premium, it is best advised to increase the deductible to the extent you can afford. Your home insurance premium will fall by as much as 20% if you increase ...(related: Insurance)
Know Your Own Worth: A Practical Insight Into Covering Up
Almost anything can be insured these days: breasts, legs, your goldfish, your mental health, physical health, your own life, your child's life. You can insure against the bad weather, good weather, political events?.This week in Scotland, triathlon competitors were insured for £1 million in case they were injured by the Loch Ness monster according to the BBC?.life insurance perhaps? It would seem that recent rumours of Nessie seeking a more exotic meal of wild venison and exploring the loch shores have finally reached the corporate world. ( http://www.lochnesstooth.com/ )But is Nessie the real monster in this, what other terrible creatures lie hidden in the complexity o...(related: Insurance)
Used Car Insurance
Every state requires that drivers carry liability insurance. The liability coverage section of an auto insurance policy provides financial protection from liability claims against you when you (or certain other people) cause an accident that results in bodily injuries to other people and/or damage to their property. Every state has mandatory minimum levels of coverage in this area. The rationale behind such laws is that at-fault drivers should be able to compensate victims who suffer accident-related losses. But the required minimums in most states don't even come close to covering the costs of a serio...(related: Insurance)
Term Life Insurance Quotes For Singles
Term life insurance quotes are rarely a concern of single people, but they should be. Unfortunately, there is a misconception that term life is something owned only by families in the event that the chief breadwinner dies.Term life insurance quotes and policies should be on the minds of every...(related: Insurance)
site-map - Copyright © 2006 Insurance | All Rights Reserved. | Insurance