In order to obtain a homeowners insurance quote, there are several key pieces of information that you need to gather first. Without the following pieces of information, the quote may not be reliable. Most of the information that you need surrounds home details although some takes a little more thought such as how much coverage you are hoping to get. You may also have to dig around your home documentation to get accurate answers to some of the questions such as what your roof is made of and what year your home was constructed.

Let’s start first with the information that you need to gather about your home. You will need information such as your home size (square footage) in addition to the age of your home, your home type, whether or not you have in-home fire sprinklers and fire alarms, the type of heat, the number of rooms, and the value of your home. The questions that you will be asked will depend on which provider you choose but it will also be helpful to know how many miles it is to your nearest fire department. It is important that you know all of the details about what type and how old your roof is. This is a key piece of information that most insurers typically ask for. You will also need to be prepared to share any claims that you have made in the past – many claims may indicate that you will be more expensive to insure. Keep in mind that it is always better to have more information on hand than not having enough.

In addition to your home details you also need to gather some other information such as how many people live in your home, their ages and the existence of any pets. Something that you should put some thought into is what your coverage needs are. Making a list of the most valuable items in your home would be a helpful start. Many worksheets can be found online to help you with this task. There are also standard recommended amount that your insurance provider can give you more details about.