Information Required

1. What kind of home you own or rent

2. Roughly how much your possessions are worth

3. What kind of liability coverage you will need

4. How many people live in your household

5. What pets you own

6. The general condition of your house

You should also express if you own any particularly valuable items to need special coverage as a floater.

Price Determined

1 The square footage of the house and any additional structures.

2 Building costs in your area.

3 Your home's construction, materials and features.

4 Amount of crime in your neighborhood.

5 The likelihood of damage from natural disasters.

6 The proximity of your home to a fire hydrant and to a fire station, whether your community has a professional or volunteer fire service and other factors that can affect the time it takes to put out fires.

7 The condition of the plumbing, heating and electrical system.

If you rent your home or own a condo or co-op, your insurer will not consider the size of the dwelling or building costs. However, the insurance company will take into account factors that make damage to your possessions more likely.