Free Home Owner Insurance Quote – What to Expect

Getting a free home owner insurance quote is possible, but you must be prepared to answer several questions about your home, possessions, residents, and even outside property.

You can begin the process of getting a free home owner insurance quote online; however, this is usually just the initial step to establish contact between you and a home owner insurance agent. It’s basically a general customer profile. You’ll be asked the regular questions – name, address, age, sex, telephone number, etc. You may even be asked whether or not you’re a smoker.

Once contact has been made between you and the agent, your agent will first ask you if you rent or own your home. This paves the road for the process, as people who rent need renter’s insurance, rather than home owner’s insurance.

You’ll be asked questions about the structure of your residence, such as the number of square feet, and what, if any, outside structures you have and want to insure. You’ll also be asked about the safety and general condition of your home – its upkeep, the condition of the plumbing, how “thief-proof” it is, etc. Now is the time to brag about that new state-of-the-art alarm system you installed last month.

Another step to getting a free home owner insurance quote will be providing the agent with information about the possessions in your home. You’ll need to explain their value – you may even want to take pictures and/or videos of each room and the contents, making sure to include those antique diamond earrings your grandmother wore on her wedding day.

One of the most popular questions an agent will ask during your free home owner insurance quote will be about the residents of the home. How many are there? And do you have any pets? If so, what kind? Believe it or not, the number and kinds of pets you own could affect your free home owner insurance quote.