When you go to get a Pennsylvania home insurance quote you need to have several pieces of information handy. If you are not prepared for the barage of questions that will come from the online quote form or the customer service representative you speak with, you will likely have trouble getting an accurate quote. All of this information may be necessary depending on the company you are getting a quote from. It is better to be prepared and have too much information than to be caught without the answers and no quote to show for it. This is the most efficient way to go about getting homeowners quotes in Pennsylvania and to ensure that you get the most accurate, most competitive price available.
There is some basic information about the home that is going to be required for any Pa. home insurance quote. This information will include, of course, the address and county of the home. You will also need to know the year and type of construction of the home, as well as the total square footage.The agent will also need to know if the home has a circuit breaker or fuse box. You will also need to know what type of heat the home has, and the age of the system. The age of the roof, heat, electrical system updates is a critical piece of underwriting information so be sure to research this before you make your call.
You will need to tell the agent whether or not the home has a garage, whether this is attached or detached, and the dimensions of any porch, deck or breezeway. You will also need to inform them of whether the home has deadbolts, smoke detectors, fire extinguishers, and an alarm system. Many carriers in Pa will offer substantial discounts for safety devices that reduce the risk of fire or increase the odds of prevention. Be sure to ask the agent what the discount might be if you were to install extra safety features…sometimes the cost invested can be offset by teh savings fairly quickly.
Finally, you will need the purchase price or current coverage amount on the home. If you supply a purchase price you must also provide the name and phone number of the lender. Most of this information is readily available, and you should have gotten this information when you purchased your home. Many companies will allow you to choose a full replacement policy or an actual cash value policy(based on purchase price) Look to a reputable agent to explain the important differences between these policies and what may be best for your family.
Other Information You Need to Gather
Some of the information you need for homeowners quotes in Pennsylvania is not the type of information you will have on hand. You may not even know the answers to these questions, and have to check with your realtor to get the answers. If you don’t have the answer to something and you can’t get it from somewhere else, your quote may be higher and inaccurate.
For example, you will need to know the type of roof material and the age of the roof, as well as its condition. You will also need to know how many feet it is to the nearest fire hydrant, and how many miles it is to the nearest fire department. Other information may also be needed for a specialized quote. If you are unsure what you need for a quote you should contact the agent in question and ask for a list of information that will be requested of you. Often they will email you the list or send you a list or questionnaire in the mail. Once you are armed with this information, getting a Pennsylvania home insurance quote is easy.