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Things to Know When Getting a Homeowners Insurance Quote

Getting a home insurance quote may only take only a few minutes if you have all the information at hand.

What is a home insurance quote?

A homeowners insurance quote is an estimate of the price you'll pay for a policy. It's based on a broad range of factors, including things like:

  • The neighborhood you live in.

  • Whether a fire station is nearby.

You should know details about your house, including the kinds of safety features you have installed, and other things that may help you qualify for discounts and help you get the insurance that meets your needs and wants.

There are a couple of questions that will be involved in getting an insurance quote. Be ready with your paperwork and to answer questions about your home.

What you need to have before you get home insurance quote?

Wondering how to prepare? Here is the checklist to start:

  • Who lives at your house? Information about your marital status, if you run a business from the home, or if you own any pets may be asked.

  • What’s your insurance history? It is recommended to know details about your existing coverage. Do you have a mortgage on your home? How much would it cost you to rebuild your home? Any prior insurance claims?

  • What’s your house like? You may be asked questions like the year when your house was built, type and age of the roof, style of home, if you have a garage, etc. You should know the square footage of the home and the number of bathrooms or fireplaces. This information helps determine the amount of coverage and costs to rebuild your home.

  • What improvements have you made? If you have made any improvements such as replacing the roof, finishing the basement, installing a central air system, remodeling a kitchen, or any other updates that increase the value of your home, your existing homeowner's policy may not reflect the current value.

  • What kind of safety devices do you have? If you have any smart or connected home technology, fire sprinklers, or similar, you may qualify for a discount.

Having these items ahead of time will make it easier for you to get a quote and will help you get coverage to protect you and your family.

How to Find Homeowner Insurance?

How much coverage do I really need? If you're a first-time homebuyer or just overwhelmed by it all, our Summer Insurance agents can also help you figure out how much coverage you need and compare quotes from multiple top companies.

Note when you get a home insurance quote the coverage amount is NOT an exact calculation of how much coverage you will need, its just an estimate. If you would like a more accurate estimate quote consider the following:

  • The replacement cost of your home: Your insurance on your house should be close to its replacement cost. Think about how much it will cost to rebuild from ground up after a disaster.

  • The total value of your personal belongings: You will want to have enough personal property coverage to cover the value of your stuff like appliances, furniture, and electronics.

  • The total value of your assets: You should have enough personal liability coverage to cover your net worth entirely in case you were to get sued.

Haven’t got your quote yet? Don’t wait any longer. Submit yours today at or Click Get My Quote!

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