Shopping for homeowners insurance is a tedious job that requires a good deal of time and energy. Most people don’t look forward to it but it is a job that must be done. That being said, there are ways to help move things along a little and not make it such a dreaded task that looms over your head. Here is a checklist of important points to bring with you when meeting with an insurance agent.
- Coverage for homeowners can be different state by state. If you are gathering up Michigan homeowners insurance quotes your needs will be different than for a Florida homeowner. Much of the differences have to do with damages that can be caused by unexpected weather conditions. Always find out what options you have for wind, water, and catastrophic situations.
- Ask about anything you would like coverage for that is not attached to your home, such as a garage, carport, or shed. These items are extremely vulnerable if you live in an area that experiences tornados on a regular basis.
- Have at least a guestimate of the total value of your personal belongings. You can group them together – furnishings, appliances, personal items – and then add them up for a grand total that needs to be covered. Remember, you will need to know how much was paid for these items so you can get a good idea of what the replacement costs need to be to get a comparable item.
- Always ask what discounts the company offers. One of the easiest discounts is for bundling your insurance needs. You can always save money if you have your car insurance, homeowners insurance, and life insurance, all with one company. Ask if they offer any savings for new homeowners or military personnel. Most agents will be happy to work with you and will be eager to find ways to help you save money just so they can get your business.
- If there is any coverage you are not sure about, don’t be afraid to ask. Clear up any questions you may have in advance regarding theft or about anyone who might get injured at your home. What are your obligations if your dog bites the mailman? It is better to find out the answers now rather than be surprised later on.
- Always keep all of your quotes together along with contact info in case you need to get your hands on them quickly.