Home insurance: advice to follow when requesting a quote

 

Before taking out your home insurance, it is important to request quotes from several insurers to find the best offer that suits your needs. Nature of the accommodation and the value of the furniture; the insurance company, needs a lot of information to draw up an estimate.

For the quote, the insurer needs information about the property

To produce homeowners insurance rates arkansas, the insurance company needs to be provided with a lot of information about the accommodation to be insured, starting with its nature (detached house or apartment, new or old property, main or secondary residence, etc.) and its geographical location.

If your home is an apartment, the insurance company must also know which floor it is on. He must also give him information about the area to be insured: the number of rooms and any outbuildings (basement, garden, garage, etc.).

Remember to indicate whether your property has a swimming pool. This must certainly be guaranteed. For homes, you don't need exact square footage to make a home insurance quote. On the other hand, apartments must be mentioned. You can reduce your insurance premiums. The higher the level of protection, the more your home insurance is likely to be reduced!

Remember to declare your fireplace! Fireplaces, inserts, and wood stoves must be declared when taking out the best homeowners insurance Arkansas.

Estimate: the information to be provided concerning the occupants

The insurer needs information about the occupants of the accommodation in order to be able to draw up a home insurance quote. Indeed, home insurance contracts also cover the civil liability of persons occupying the property, whether adults or children.

Some insurance companies also ask to know the history of claims in recent years in order to precisely identify the risks and the needs of the insured in terms of the guarantee. Generally, insurers request that they be notified of the last two indemnified claims, specifying their nature and severity.

In addition, if you exercise a professional activity at your home, you must declare it to the insurance unless this activity is practiced in the context of teleworking. For certain activities (approved childminder, bed, and breakfast, etc.), check with the insurer to find out about the extensions of cover that can be taken out.