If you have just purchased your first home, getting Pennsylvania homeowners insurance quotes will be a new experience for you. Having a little information ahead of time will help make this a little easier for you.
You will have to have some information available to give to the insurance agent so he or she can input this data in order to have your premium determined. You need to know how old your house is and what materials it is made of. You will have to let them know how much you paid for your home but the real information is figuring out how much it would cost to rebuild or repair your home. This is what your homeowners insurance will be called upon to do so it has to determine how much of a risk insuring your home could be.
They will also want to know how close your house is to a fire station and a fire hydrant. This is important information because house fires are one of the most common causes of the destruction of a residence. If you have smoke alarms in your home, a fire extinguisher, or even a sprinkler system installed, you will receive a substantial discount on your insurance.
Make sure that you pay attention to the deductibles in your homeowners insurance quote because this is what you are going to have to pay. There are some policies from pennsylvania-insurance.net that have zero deductible but they are much more expensive. The higher the deductible the lower your premium, but that just means you will have to pay more when something occurs.
Another way you can get a better homeowners insurance quote is to have a security system installed in your home. Once you have the system installed and have a monitoring service in place ask the company for a certificate that you can submit to your insurance company and you will save about 20% on your policy. Some companies have the certificate right on their website and you can download it yourself.
There are many factors that will go into your homeowner’s insurance quote. If you have a dog that is on the high risk list you may have to keep your dog restricted or pay a higher price for your insurance. The cost of covering injuries to the mailman because your dog bit him could cause your insurance to increase.
Admin October 22nd, 2015
Posted In: Homeowners Insurance