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To properly quote a home policy:
- The replacement cost should first be accurately determined.
Start with the correct square footage of foundation.
- Data regarding first or second mortgages, including address,
is important.
- Are you escrowing the owner's
premium? This means will you or the mortgage company be paying future renewal bills?
- Amount of the mortgage is also important - the loan number is often helpful
- Contents should be accurately documented with a photo
inventory to be kept away from the premises.
- Regarding safety - Smoke detectors save lives, fire extinguishers could reduce the
severity of damage and deadbolts deter crime in some cases.
- For extra liability, inquire about our "Personal Umbrella."
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