Your home is unique. The view from your porch is as beautiful as from the kitchen into a living
room full of loved ones. From the inside out, your home is special and you want to protect it.
Home insurance is an opportunity to protect your property, but with so many options, it can be
difficult to know where to start. Here are several necessities to get the most accurate home
insurance quote possible.
- Home information
The age of your home directly impacts your insurance quote. New homes are cheaper as they
are less likely to have damaged systems. Be aware of how your home’s exterior affects rates,
including siding and roof styles. Speaking of roofs, then age of your roof and type plays a huge
role in coverage and pricing. Every piece of information, from heating to security systems, has
opportunity to change your quote.
Your responding Fire department plays a role in your rate, Fire departments with full time fire
fighters and good public protection class ratings gets better rating than rural homes where the
fire departments including fire fighters are part time and in many cases have to haul water to the
fire. Geographical location also provides insight into likelihood of being impacted by natural
disasters, such as tornadoes or Hurricanes.
- Personal Information
Just like Auto Insurance your personal Credit or Insurance score is a big part of what you pay
for insurance. Be prepared to provide this information in order to get accurate pricing. Avoiding
this part or giving inaccurate information can lead to a estimated quote and you take the risk of
being frustrated by a change in your rate after purchase when the final rate is determined. Key
here is make sure you have received a verified rate.
- Replacement cost
One of the most crucial factors in determining an accurate home insurance quote is cost to
replace or rebuild your home. Whether you want to cover the current worth of your belongings
or be reimbursed with brand new items, it is important to consider replacement cost as you look
for your home insurance quote.
- Insurance history
Insurance companies have access to whats called CLUE, “Comprehensive Loss Underwriting
Evaluation”. This is a report that not only see claims the insured has had in the past but also any
claims that have been turned in against the property in the past. Certain types of claims such as
water claims are of concern and may have to be proven that proper repairs have been made. In
general, past claims and what type of claims you have had plays a major role in determining the
cost of your personal insurance.
The best way to ensure you receive the most accurate home insurance quote is to speak with
an agent directly. Our agents at Adkins Insurance are happy to answer any questions and would
love to meet you. Call and make an appointment at (417) 883-4343 and let us help you find the
right home insurance quote for you.