Get Home Insurance Online

Almost all the biggest insurance companies have websites that offer you a way to get your home insurance online. Many offer the ability to view quotes from other companies, too, so you can compare coverage and costs. To shop online for insurance coverage, you're going to have to answer some basic questions about the condition and size of your home, and you're going to need to know what the replacement value of your home is. Once you have that information, you're ready to shop online for your new homeowner's insurance policy.

Finding Replacement Value for Your Home Insurance

Replacement value for your home isn't what you owe on the mortgage, it's what it would cost to totally rebuild your home from the ground up (not including the land). To find the replacement value, you need to know your home's square footage (you'll need that when you apply for home insurance online, too). Then, you'll need to know what the average cost per square foot a home costs in your area. You can find that from a local builder or contractor or at some sites online. Then you need to multiply your square footage by the average cost per foot to get a replacement cost. Don't forget any upgrades or additions to the house, and don't forget added amenities, like swimming pools, hot tubs, or out buildings. If you have an especially large or elaborate home, you may need to up the square footage costs to cover your final cost of rebuilding.

What Else You'll Need to Get Home Insurance Online

You'll need to know basic information about your house, from the number of rooms to when it was built, and what extra features you have, like fireplaces, attached garages, and other features. They'll also want to know what kind of roof it has, what type of construction it uses, and if you've made any modifications. They'll also ask about your credit history, and your insurance history. If you don't know the answers to these questions, you can often find them online at your local planning or building department websites.

Instead of going to each site separately, look for insurance sites that offer online quotes from several companies at the same time. That way, you don't have to enter in the same information again and again at the individual sites. Getting home insurance online is quick, easy, and helps protect your home from damage, accident, or disaster.