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.
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