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Know What Information to Give Your Homeowners Insurance Agent
Author David Schneider | Nov 20,2007
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A home owners insurance agent is there to ease the process of purchasing insurance. Cooperation is essential for locating the best deal on your behalf. Be prepared to help by knowing what information to give your home owners insurance agent.
Information to Give Your Home Owners Insurance Agent: Personal Details
In order to identify the current situation better, provide your home owners insurance agent with some personal information. Your agent will need to run a credit check. Be prepared with your social security number, address, birth date and employment history.
Know Your Current Home Owners Insurance Details
There’s a declarations page on your current insurance policy. The declarations page contains details about your level of coverage, including exclusions and limitations. You may want to give your agent a copy of the declarations page or describe the insurance details.
Information to Give Your Home Owners Insurance Agent: Your Home
Your home owners agent will ask for specific details about the home. Know the square footage of the home. Include details about any unattached structures on the property, such as a shed, anything you want included on the home owners insurance policy.
Describe the type of home you own. Is it a four-story house? Is there a basement? Is it ranch style? You will also need to provide your home owners insurance agent with information about when it was built and the overall condition of the home.
Tell Your Insurance Agent About Home Improvement Projects
Have you remodeled the kitchen? Installed a deck in the back yard? Certain additions and modification may increase the value of your home. Think of all your home improvement projects and provide your agent with details.
Information to Give Your Home Owners Insurance Agent: People and Pets
Tell your home owners insurance agent how many people live under one roof. Include information about pets, how many and what kind. This way, your agent can make an assessment on how many people and pets should be protected under home owners liability insurance.
Information to Give Your Home Owners Insurance Agent: Your Belongings
Provide your homeowners insurance agent an approximation regarding the value of your belongings. Be prepared to describe key items that you want to be covered under home owners insurance. An accurate inventory may be necessary.
Do you have any expensive valuables? Tell your home owners insurance agent about valuables and irreplaceables, such as antique furniture, jewelry, paintings and china collections. Expensive items may require a floater.
Information to Give Your Home Owners Insurance Agent: Liability Coverage
Discuss how much liability insurance you will need with your agent. Do you operate a home-based business? It may be possible to receive some coverage through home owners insurance.
Give Your Home Owners Insurance Agent Information about Fire Safety
Know the distance of your home from the nearest fire department and fire hydrant. Also, describe the level of fire safety in your house. For instance, how many smoke alarms do you have?
Information to Give Your Home Owners Insurance Agent: Security
Security devices can help lower the cost of home owners insurance. Tell your agent about alarm systems and dead-bolt locks. Ask your agent what can be done to increase the security of your home further.
Locate a Trustworthy Agent
In order to get the best deal on home owners insurance, you need an agent you can trust. Comparison shop online, be connected with agents in your area and receive multiple offers at once. Before you decide on a home owners insurance agent, verify licensing and experience. |
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