What Documents Do You Need to Get Homeowners Insurance?

Pulling together the right paperwork before shopping for homeowners insurance can save time and help you get accurate quotes from the start. Lenders, insurers and agents all rely on specific details about your home and financial history, so having those documents ready puts you in a stronger position. 

Your Basic Property Information 

Insurers need to know what they are covering before they can build a policy. Gather the following before reaching out to an agent: 

• Your home’s address and the year it was built 

• Square footage and the number of stories 

• Construction details, including roof type, exterior material and foundation type 

• A recent appraisal or purchase agreement showing the home’s value 

• A list of any recent renovations or upgrades, such as a new roof, updated electrical panel or replaced HVAC system 

Documentation of Your Belongings 

Coverage for your personal property depends on what you own. A home inventory, even a basic one with photos or video, can help establish the value of your furniture, electronics, appliances and other belongings. If you own high-value items like jewelry, fine art or musical instruments, note those separately, as they may need additional coverage.  

Your Insurance and Claims History 

Insurers typically ask for your prior insurance carrier name and policy number, along with a summary of any claims filed in the past three to five years. If you are a first-time buyer with no prior homeowners policy, a history of continuous renters insurance coverage can work in your favor.  

Additional Documents That May Come Up 

Depending on your situation, an insurer may also ask for a mortgage statement, a copy of your deed or documentation of a home security system. 

Get Started With the Right Agent 

Contact T.L. Insurance today to walk through your specific situation and get suitable homeowners insurance. We serve homeowners throughout Logansport, IN and beyond. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.