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Finding The Best House Insurance Quotes
Article by Bo A Miller
Getting the best house insurance quotes also entails some tasks that you need to accomplish. These tasks are really straight forward but are sometimes taken for granted. Don’t you hate it when you request fora quotation and the agent begins asking you all these questions that take forever to answer. In order for you to save time and to get a more accurate quotation, here are two important things that you need to prepare yourself for. This will make getting your house insurance quotes a breeze.
1. Prepare Your House Inventory
Why is there a need to list all the important contents of your house? This is for the simple reason that you will need to determine your valuable items, appliances, pieces of furniture, gadgets, electronics, jewelry, collectibles and other investments that you need to have covered.
At the same time, you will also need this list when you file for a claim. It is not a requirement by the insurance company but it is for your own protection. This list will remind you of all the items that you have lost and therefore it would be easier for you to report everything to the insurance company. This will make your life easier because having a complete list will speed up the processing of your claim.
When you do your house inventory, make sure that you account for high-value items such as collections, pieces of jewelry or furs. These items have a corresponding coverage limits. At this point, you may consult your insurance representative if you have adequately covered these items or if you need to have an endorsement in order not to leave it under insured. If you can include the serial numbers of items and the official receipts then it is much better. You may also take pictures of items with family members so as to have a strong claim of ownership.
2. Prepare important information that you should provide your insurance agent – When getting a house insurance quote, you will be asked for some information and preparing it beforehand will make for a faster time in receiving a quotation. Be sure to have the following details ready:
– Details about your house. What is the construction type? (Is it made of wood, bricks, or cement?) What is the age or how old is the house? (Is it a 10-year old houseor a newly manufactured house?) How big is the house in terms of square footage? Are you the primary or secondary owner of the house?
– The amount of liability coverage you want to purchase. Do you want to purchase a liability coverage worth M or higher?
– The state of your electrical, plumbing, and heating systems. Have they been upgraded? Are they newly fixed?
– What is your house insurance claim history? Have you filed one in the past 5 or 10 years? What were the instances?
Bear in mind that the more accurate information you provide would also mean receiving a more accurate quotation. Any information you provide will be the basis of the insurance company in computing for your premium cost.
About the Author
Get your House Insurance Quotes Today, visit this site http://www.wiseinsurancequotes.com/homequote.php and save up to 70% on your insurance costs. Its Fast Free & Easy!
Related Best House Insurance Articles
Where to find cheap house insurance
Article by David Thomson
Good news for the consumer is that a keenly competitive market has made available a wide range of cheap house insurance. As with any consumer goods or services, however, it is important to remember that cheap does not necessarily mean the best. Probably a better yardstick, when choosing house insurance, is to look for good value for money rather than a cheap product that might let you down when you most need it.
That said, home insurance • ” which will include both buildings and contents insurance • ” is inherently cheap when set against the value of the assets it protects. The home is most people’s single biggest investment, after all, and protection against the ever-present risks of fire, flooding, subsidence or storm damage make it more than sensible an asset to protect. Indeed, if a mortgage is involved, then the mortgage lender will insist on the insurance of the fabric of the house itself (i.e. buildings insurance) as a condition of advancing the mortgage.
Although the lender will insist on buildings insurance being in place, this does not mean that you have to buy the house insurance from the bank or building society advancing the loan. In fact, if you are looking for cheap house insurance you will probably find that the lender’s product is more expensive • ” since they will also be taking a commission on its sale • ” than standalone house insurance from a reputable, independent insurance provider. This is where an independent insurance broker’s advice can also prove extremely useful in matching your precise needs to the best • ” and cheapest • ” of the competing products available.
Some homeowners will discover to their bitter cost the perils of buying cheap house insurance by deflating the premiums they need to pay as a result of under-valuing the house itself. There is no short-circuiting the fact that house insurance must be based on the cost of completely rebuilding the property in the event of a disaster. This insured sum will be the total amount that the insurer will be prepared to pay against any claim. The effect of this, in the event of the very worst happening, therefore, is that if you have under-valued the property, there will not be adequate compensation to have it rebuilt. More than this, the insured sum will also determine the amount paid against lesser claims. These will be decided by the insurer on the basis of a proportion of the total sum insured. If the property is under-insured, therefore, the result of any claim will also be disappointingly inadequate.
The best way of ensuring that you obtain cheap house insurance is by helping yourself and the insurer by mitigating the risks to the property. Guard against theft, for example, by fitting security alarms, upgrading all locks, installing timer-controlled lighting and joining your local neighbourhood watch. Fit • ” and properly maintain • ” smoke alarms. Consider increasing the compulsory excess written into your policy by taking on an additional voluntary excess. Claims-free policy holders are, of course, insurers’ favourite types of customer. Some companies will recognise as much by offering no claims discounts of up to 20%, thus bringing cheap house insurance within the grasp of even more home owners.
About the Author
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to providing their clients with the best insurance deal on their home insurance, car and life insurance.
Big Brother Home Insurance Bill Makes a Happy House, Says Confused.com
Big Brother Home Insurance Bill Makes a Happy House, Says Confused.com
Cardiff, UK (PRWEB) June 30, 2008
Confused.com included the following info when filling out the home insurance application forms.
No Flood Risk. Despite the house being built on the site of the old water tank where Moby Dick and The Dam Busters were filmed, there’s little risk of flood at Elstree Studios. In fact there’s more threat from contestants’ tears, belly flops into the pool, and the deluge of attention-seeking applicants still clamouring to get on the show.
Residents are Non-Smokers. But there’s a giant ashtray in the garden! Well, since the local council classes the house as a workplace and not a home, and with Big Brother himself liable to a £2,500 fine every time a housemate lights up indoors, there’s no smoking inside. Therefore, for home insurance quote purposes the residents are non-smokers.
Highly Secure Home. With private guards and 24/7 CCTV monitoring, the place is always going to score highly with insurers on matters of security. As an interesting aside, it’s a pity former contestant Jade Goody didn’t learn any security lessons from her two appearances on the show. In May of this year, burglars stole over £50,000 in jewellery from her Essex home – this despite being burgled twice before!
Buildings Insurance. The amount of buildings insurance required is equal to the build value (£500,000 in the case of the Big Brother 9 house).
Contents Insurance. Cover was set at £50,000 because, even though what you see looks pretty high-end, there are nowhere near as many contents as you’d find in a regular house containing a lifetime of accumulated items. Accidental damage cover was also included as there hasn’t been a contestant capable of repairing anything since DIY expert Craig Phillips won Big Brother 1 way back in 2000.
Cheapest Quotes Returned
HomeInsurer.co.uk – £170.42
Broker King – £228.24
So whether Big Brother 9 becomes home sweet home or a house of horrors for the contestants, it could definitely be a happy house for whoever pays the home insurance bill.
Car Crash Television
One more thing, Big Brother evictee Alex De Gale’s BMW has been vandalised as a result of her bullying ways on the show. So if you’re going on Big Brother there are two lessons to learn from this: (1) Get adequate car insurance before going in, and (2) be nice!
Notes to editors
For further information please contact:
Caroline Spindlove
Confused.com
02920 434 393
Gug Kyriacou/ Joanna Harte
Polhill Communications
020 7655 0550
About Confused.com:
Confused.com is one of the UK’s biggest and most popular price comparison services. Launched in 2002, it dominates the car insurance aggregator market and generates over one million quotes per month. It has expanded its range of comparison products over the last couple of years to include home insurance, travel insurance, pet insurance, van insurance, motorbike insurance, breakdown cover and energy, as well as financial services products including credit cards, loans, mortgages and life insurance.
Confused.com is not a supplier, insurance company or broker. It provides its customers with a free, wholly objective comparison service to help with their decision making. Using cutting-edge technology, Confused.com has developed a series of intelligent web-based solutions that evaluate a number of risk factors to help customers search, buy and apply for whichever product or policy best matches their individual needs. Prices quoted on Confused.com are the same, or cheaper, than going to the insurer direct. Confused.com’s service is based on the most up to date information provided by UK suppliers and industry regulators.
Confused.com is regulated by the FSA.
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