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October 14, 2010

Home insurance basics – starting an application

Home insurance basics - starting an applicationWhen you apply for homeowners insurance, your agent will be asked for a great deal of information. The insurance company will ask you about your current occupation and employment history, marital status, previous addresses, date of birth and Social Security number. They will also ask for information about the house itself including the age of the roof, age of the furnace, if the house has fuses or circuit breakers, and the type of plumbing (copper, PVC, galvanized, etc.). Many considerations will be made to see if you are a “good risk” for the company. To make this assessment, the insurer will check your criminal, credit, and insurance history including your “loss history” or the amount of home insurance claims you’ve made in the past.

After the company accepts you as a client, you will have the opportunity to sit down with an agent who will help you decide what type of homeowner’s policy you want, how much of a deductible you want and how you will pay for the coverage. Your agent or insurance company will determine how much it would cost to replace your home and many of the items inside. Special consideration and coverage may be required to cover expensive property such as jewelry or computer equipment.

Analyzing your home

An insurance company uses many factors to determine the premiums for a homeowner policy. Below is a list of a few of the aspects an insurance agent will look at in determining premiums for your home.

  • How old is your home?
  • What materials were used to build your home?
  • In what kind of area is your home located?
  • What is the square footage of your home?
  • How many rooms are in your home?
  • How do you heat your home?
  • How many people live in your home?
  • How close is your home to the nearest fire station and fire hydrant?
  • What is the overall condition of your home?

Filed Under: Home Insurance Basics Tagged With: Home Insurance Basics, insurance application

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"I’ve been a client for almost 10 years. Nick and Ivan are extremely knowledgeable, courteous, and honest. I always get clear information about my insurance options. I would never go anywhere else!"

~ Oleh M. • Hinckley, OH

2016-03-31T20:17:11+00:00

~ Oleh M. • Hinckley, OH

"I’ve been a client for almost 10 years. Nick and Ivan are extremely knowledgeable, courteous, and honest. I always get clear information about my insurance options. I would never go anywhere else!"
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2016-03-31T19:57:26+00:00

~ Taras H. • North Ridgeville, OH

“We’ve had Insurance Cleveland for over two years. They are fast, reliable and their customer service is top notch.”
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“The people are always pleasant and the service is always prompt. We have our home, auto and life insurance policies with them and would never think of going elsewhere!”

~ Marta J. • Lakewood, OH

2016-04-20T13:21:46+00:00

~ Marta J. • Lakewood, OH

“The people are always pleasant and the service is always prompt. We have our home, auto and life insurance policies with them and would never think of going elsewhere!”
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“I’ve been an Insurance Cleveland client for over 5 years. It is not always about the price, it’s about the relationship and the great service I receive.”

~ Dan P. • Middleburg Heights, OH

2016-04-20T13:22:17+00:00

~ Dan P. • Middleburg Heights, OH

“I’ve been an Insurance Cleveland client for over 5 years. It is not always about the price, it’s about the relationship and the great service I receive.”
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“We’ve been with Insurance Cleveland Agency for over 4 years. I remember having my first accident 3 years ago. The agency representative helped us throughout the whole claim process. We recommend Insurance Cleveland Agency to all our friends.”

~ Vasiliy & Helen D. • Parma, OH

2016-04-20T13:22:44+00:00

~ Vasiliy & Helen D. • Parma, OH

“We’ve been with Insurance Cleveland Agency for over 4 years. I remember having my first accident 3 years ago. The agency representative helped us throughout the whole claim process. We recommend Insurance Cleveland Agency to all our friends.”
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“Ivan keeps an eye out for better home insurance coverage when premiums are on the rise without making me do the work. It’s nice to know someone is paying attention and looking out for my best interest.”

~ Monica H. • Ravenna, OH

2016-04-20T13:24:39+00:00

~ Monica H. • Ravenna, OH

“Ivan keeps an eye out for better home insurance coverage when premiums are on the rise without making me do the work. It’s nice to know someone is paying attention and looking out for my best interest.”
http://insurancecleveland.com/testimonials/1172/

“The staff at Insurance Cleveland was very helpful when we had to make a claim. And it was handled in a very timely manner. Everyone was kind, courteous and very professional.”

~ Karolina G. • Cleveland, OH

2016-04-20T13:25:12+00:00

~ Karolina G. • Cleveland, OH

“The staff at Insurance Cleveland was very helpful when we had to make a claim. And it was handled in a very timely manner. Everyone was kind, courteous and very professional.”
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“I have found Insurance Cleveland to have the best rates and the absolute best customer service of any insurance agency I’ve ever dealt with!”

~ Mark C. • Brunswick, OH

2016-04-20T13:25:36+00:00

~ Mark C. • Brunswick, OH

“I have found Insurance Cleveland to have the best rates and the absolute best customer service of any insurance agency I’ve ever dealt with!”
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“They are professional, informative and they saved us money! We had wanted to review our insurance coverage for some time, but doing it seemed time consuming and complicated. Insurance Cleveland Agency reviewed our policy and recommended we increase some of our coverage. The best part is they were able to lower our premiums.”

~ Russ & Mary K. • Broadview Heights, OH

2016-04-20T13:26:06+00:00

~ Russ & Mary K. • Broadview Heights, OH

“They are professional, informative and they saved us money! We had wanted to review our insurance coverage for some time, but doing it seemed time consuming and complicated. Insurance Cleveland Agency reviewed our policy and recommended we increase some of our coverage. The best part is they were able to lower our premiums.”
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5602 State Rd., Parma, OH 44134
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