You can get home insurance quotes online, over the phone or in person with selected insurance agents and companies, says SFGate. When choosing to obtain a quote online, the questionnaire is usually detailed to obtain as much information about the home to be insured as possible.
Contact a local insurance agent when shopping for quotes so that the agent can make suggestions and recommendations on the policy based on the consumer's budget, suggests SFGate. Gather all the requested information about the home to be insured, including its construction, the date it was built and its square footage.
Homeowners insurance not only covers the home but the contents inside the home, explains SFGate . Consumers can always increase the coverage for furnishings and other items. Many insurance polices have add-ons or riders for special items such as electronics or art.
When estimating the cost of the home's replacement, consider the entire replacement cost, even though it could exceed the policy's limit. The cost to rebuild a home always increases based on the growing costs of fossil fuels and building materials. Many insurance policies have a clause that allows for that increased cost if the home is destroyed or otherwise rendered uninhabitable, SFGate notes.