What Information Do You Need for a Homeowners Insurance Quote?

Getting a homeowners insurance quote is essential in protecting your property and assets. Still, you’ll need to provide a range of information to get an accurate and comprehensive quote. Insurance companies use these details to assess risk, estimate replacement costs, and determine your premium. Here’s a breakdown of the key information you must gather before requesting a quote.

1. Basic Personal Information

Start with the basics:

• Name
• Date of birth
• Marital status
• Contact information (phone and email)
• Social Security number (sometimes requested for credit-based insurance scores)

This information helps the insurer verify your identity and assess your insurance history.

2. Property Address and Type

You’ll need to provide the full address of the property you want to insure. The property type matters too—whether it’s a single-family home, condo, townhouse, mobile home, or vacation home. Insurers use this to assess regional risks like flooding, wildfires, or crime rates.

3. Details About the Home

The insurer will want specific information about the home, such as:

• Year built
• Square footage
• Number of stories and bedrooms/bathrooms
• Construction materials (e.g., wood, brick, stucco)
• Roof type and age
• Foundation type
• Type of heating and cooling systems
• Plumbing and electrical systems (and if they’ve been updated)

These details help determine the cost of rebuilding or repairing your home if it is damaged.

4. Safety and Risk Features

You might qualify for discounts if your home has certain features that reduce risk. Be ready to disclose:

• Smoke detectors
• Security system
• Deadbolt locks
• Fire extinguishers
• Storm shutters or impact-resistant windows
• Sprinkler system
• Proximity to a fire hydrant or fire station

5. Home Value and Replacement Cost Estimate

Some insurers will help estimate the replacement cost of your home, but having a ballpark figure based on appraisals, past policies, or contractor estimates can speed up the process. Remember, this isn’t the market value—it’s the cost to rebuild the home from the ground up.

6. Current Insurance Information

If you currently have a homeowners policy, the insurer will want:

• Name of your current provider
• Coverage limits
• Deductibles
• Claim history

This helps them understand your insurance track record and offer discounts for loyalty or bundling with auto insurance.

7. Personal Belongings and Special Items

Take stock of high-value items like jewelry, electronics, art, or collectibles. These may require scheduled personal property coverage beyond standard limits.

Final Tip: The more accurate the information you provide, the better your quote will reflect your fundamental insurance needs. Gathering these details ahead of time will make the process smoother and help you compare policies with confidence.

Get an affordable homeowners insurance quote today by calling us at (541) 318-8835 or click here to connect with us online.