Bay Area Insurance: In Search of Quotes
Before you approach Bay Area insurance providers for a quote on your home insurance, it pays to be prepared. Having all of the following details collated and at your fingertips could save you valuable time and make the process much easier.
First, you’ll need to provide a thorough description of the home. This will include the type of dwelling, number of bedrooms, construction materials and age. Note the purchase price and year of purchase. Your summary should also include any safety features: deadlocks, window locks, smoke alarms and fire extinguishers. Your insurer will need to know if there is a pool, pool fence, hot tub, garage or any other additions to the home.
For the contents portion of your insurance, your agent may provide a quote based on the size of your home and number of bedrooms, although it’s far more accurate to do a home inventory. Take the time to go through each room and document every significant item, both with photographs and in a spreadsheet that lists the make and manufacturer of each item. Your list should include furniture, electrical and audio goods, kitchen items, clothes, jewelry, bikes and artworks. List separately any “valuable” items (individual items worth over $2,000) as these are often not adequately covered by standard policies and you may wish to purchase a small amount of extra coverage.
Finding the right Bay Area insurance policy will be much easier if you’re organized with these details. Make a note of any questions you might have on specialized policies or home insurance in general.