What does an insurance agent need to provide a home insurance quote?

Not as much as you may think! While an agent will need more information to provide you with an accurate insurance quote (which is really what you want), most of it is basic and many times they can access some information through online databases. If you are unsure on your home’s details, consider having an appraisal or other source containing your home’s specifications handy when getting a quote, otherwise just be ready to answer questions!

To start, your agent will need some personal information like your name, date of birth and address to run your claim history and, in some states, an insurance score report. From there they will ask you questions about your home ranging from the basic (square footage, year built, roof and exterior type, etc) to more in depth (kitchen/bathroom features, type of windows/flooring, etc). If you have a lot of custom features in your home you will want to let your agent know during this process as this information helps the agent work up your home’s replacement cost that will serve as the dwelling limit on the policy. Once the dwelling limit is set, the coverage amounts for other structures, personal property and loss of use can be determined as they are all certain percentages of the dwelling. Your agent will then likely consult you on the amount of coverage to carry for personal liability and medical payments as well as any additional coverage options or the endorsements that they suggest. Once all the coverages are in place, your quote should be ready!

While all companies are different, the basic quoting process is pretty similar across the board. All in all it is typically a quick and easy process that hopefully ends in you saving money!  Get started on your Home Insurance quote today.


Disclaimer: Information found on this webpage is intended for general use only and does not in any way guarantee or exclude coverage for a specific policyholder. This information is not intended as a substitute for professional advice. Please refer to your insurance policy for specific coverage and exclusion information.