Have you noticed that no company is touting that they are able to provide you with a homeowners insurance quote in 15 minutes or less? If so, I would have to say I am a little nervous about the situation.
Protecting your home is a big deal. Odds are, this is the most expensive investment you have made in your life and having the proper coverage in place with the right agency is important. We know how important our job is when we provide someone with a homeowners insurance quote.
We take a lot of information because we need to complete a replacement cost estimator. A replacement cost estimator (RCE) is a tool our agency uses to make sure your home is properly insured. The RCE we use has been approved by all of our carriers in determining the coverage amount on your home.
In order to properly rate the replacement cost estimator we need to know some of the following:
Year of Construction
Square Footage
Type of Construction (Brick, Frame, etc.)
Number of Stories
Number of Bathrooms, type of construction
Number of Kitchens, type of contruction
Number of Fireplaces or woodstoves
Any decks or porches
Attached or Detached Garage
Crawl Space, Michigan Basement, Slap? Finshed or Unfinished basement?
Once we have this information we will need to know information on when updates to the home have been completed such as the roof, electrical, plumbing, or heating.
The last details we we will need to know is about the owners of the home which includes the owners' names, address, date of birth, social security numbers, and association discounts.
When we have all of this information and our replacement cost estimator is complete we will provide you with a homeowners policy quote tailored to you and your home.
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