What information is needed for a homeowners insurance quote?

by | Sep 18, 2021 | Home

If you are a prospective homeowner, or a current owner looking to make a homeowners insurance change that better aligns with your household’s overall coverage needs, it’s time to start shopping the market. The purpose of this post is to get you prepared with what you need for an accurate homeowners insurance quote. If you are not sure where to start looking, TSL would be happy to provide you with that quote and get you the lowest rate across the market! 

There are several important items you will need to have readily prepared prior to your inquiry in order to obtain a homeowners insurance quote and begin your search for the best company and policy. Grab a pen and paper. Time to take a few notes. 

Getting Started

You will want to prepare for your search by first gathering personal and contact information for those who are or will be residing in your home. You may be asked to answer other questions such as how long you have been living in your home, your marital status, whether you run a business in your home, and if you are an animal, and/or pet owner, so have those answers prepared. Up to date veterinarian records, and information on your animals, and/or pets that are or will be residing in your home will also be something you will want to have readily available. 

Current Coverage

If you are a current policy holder, have your coverage and policy plan details ready beforehand. If you have a mortgage on your home, you may be asked for more information on this. Have your mortgage details handy. Do you have any prior insurance claims? If so, have those ready for review too. The cost to rebuild your home with an updated, professional estimate will be necessary as well. 

Home History

If you are currently an owner looking for a new homeowners insurance quote, you will be asked to provide information on your home’s history such as the year it was built, the age and type of roof, the style of the home, and its exterior finish. Details such as an attached garage, covered carport, or other structures outside of the home may be needed, so add those to your pre-quote inquiry list of needed items. 

What’s New?

If you have made any upgrades to your home since purchasing, be sure to have those renovations and additions ready for your homeowners insurance quote inquiry. Examples of upgrades and additions to note are a roof replacement, installation of a central air and heat system, or updating a kitchen. Anything that you have added and done to the home since purchasing it that improves the overall value of the home is notable here. 

Smart House

Any safety devices in your home such as a burglar alarm, smart technology devices, and fire sprinklers are all worth mentioning during your homeowners insurance quote inquiry as they may award you discounts on a policy. 

Prep Work Pays Off

Having all of these details organized and prepared for your homeowners insurance quote inquiry will make the list of questions asked a little bit easier on you. Some homeowner insurance companies have an online quote inquiry option for a quick dive into making your decision. 

If you are an Acadiana home owner or looking to be, Thomson Smith & Leach Insurance Group is your go-to for that homeowners insurance quote inquiry you have been preparing for. With three convenient locations in Lafayette, Abbeville, and Franklin accessing homeowners insurance from a family owned business that has been in operation for over fifty years, you will feel right at home with their insurance coverage policy options. Schedule your free consultation and homeowners insurance quote with Thomson Smith & Leach today with a few simple steps online, or with a quick phone call.