subject: Getting Ready for Getting Home Owner Insurance Quotes [print this page] Getting Ready for Getting Home Owner Insurance Quotes
What's with insurance comparison sites? If you have been looking up information about home owner insurance quotes, that question is probably at the back of your head. The truth is, these sites made rates comparison easy because you only need to key in information once. You know how important it is to get quotes from different companies, and with comparison sites, you don't need to get in touch with a whole lot of home owner insurance companies and restate information over and over again.
The information you'll need to furnish will be of two categories - owner-related and home-related. Under the first category, you will need to include general information such as your age and employment. You need to disclose about having pets and whether someone in the house has the habit of smoking. You will also be asked whether you own your home or if it is mortgaged. If you are a retiree, you need to state so, too, since there are states that offer different (usually discounted) rates for retirees. Lastly, you should disclose any insurance claims filed in the past.
Home-related required information includes the structure of the house, its plumbing, wiring, as well as the building material used as well as its condition, whether it's new or newly renovated. You also need to key in information about the type of the structure - whether it's a single family home, a townhouse, a condominium unit or a mobile home. Information about the location of the house also needs to be obtained as its proximity to fire and police stations will affect risk evaluation and insurance rates. Security and alarm systems, as well as accessories such as fire extinguishers and deadbolt locks are also under this category.
All these information will play a role in determining the risk levels of your home, which will in turn affect the premium that you'll have to pay for coverage. Be as detailed as allowed, and you will get home owner insurance quotes that are accurate.
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