Most standard homeowners insurance policies will provide coverage for damage to your home (and many of the items in your home) caused by theft, fire and lightning, smoke, frozen pipes and ice and snow. Read your homeowners insurance policy to find out exactly what is and is not covered. Do this before you suffer a loss, so you won't be surprised. Most insurers exclude damages caused by an act of war, nuclear accident, flood, earthquake, and terrorism, although you may be able to purchase special policies or endorsements that will cover these events.

Mortgage lenders require that borrowers purchase a minimum amount of homeowners insurance (typically equal to the appraised value or the purchase price of the home). But this is often not the amount of coverage you truly need. Instead, find out how much it would cost to rebuild your home, and consider insuring it for that amount.

GET A QUOTE NOW! 1. Property type: Select One Single Family Residence - Primary Single Family Residence - Secondary Co-op Condominium Town Home Mobile Home Investment Home Single Family Investment Property Multi-Family Commercial 2. Address of Property: 3. City: 4. State: 5. Zip Code: 6. Year the property was built: 7. What type of insurance coverage do you need? Select One I own and need Contents Coverage I own but only need Contents Coverage I own but house is rented to another I rent and only need Contents Coverage 8. Number of individuals residing in the home: Select One 1 2 3 4 5+ 9. Is anyone in the household a smoker? Yes No 10. Are there any pets? Yes No 11. What is the total square footage of the home? 12. What is the total number of floors (except basement)? Select One 1 2 3 4 5+ 13. How many bedrooms? Select One 1 2 3 4 5+ 14. How many bathrooms? Select One 1 1-1/2 2 2-1/2 3 3-1/2 4 4-1/2 5+ 15. Description of basement: Select One Finished Unfinished No Basement 16. How is the home heated? Select One Gas Electric Oil 17. If your property is oil heated, where is the oil tank located? Select One Basement Underground Above ground Other 18. Total number of fireplaces: Select One 1 2 3 4 5+ 19. Is there a garage? Yes No 20. Description of garage: Select One Attached to Home Detached to Home 21. If applicable, how many vehicles does your garage hold? Select One 1 2 3 4 5+ 22. What is the number of porches, patios or decks on your property? Select One 1 2 3 4 5+ 23. Style of home: Select One One-story Ranch Bi-Level Two-story Tri-level Duplex Apartment Multi-family Condominium Townhome Mobile Not sure Other 24. Exterior walls of structure: Select One All Brick Cinder Block Drivet Log More than 50% Brick Stucco Vinyl Siding Wood Wood Shingles Not Sure Other 25. Type of roof: Select One Asphalt Colored Granules - common Wood Shake Treated Wood Slates Tile or Clay Shingles - Spanish Roof Metal Flat Roof Not Sure Other 26. Is your home located within 1,000 feet of a fire hydrant? Yes No OTHER PROPERTY FEATURES 27. How far is your home from a manned fire station? Select One Within 5 miles 10 miles Over 10 miles 28. Does your home have a security system? Select One None Sounds alarm in home only Signals a monitoring alarm co 29. Please check all that apply. Deadbolt Locks Yes No Wood Stove Yes No Tennis Court Yes No Central A/C Yes No Smoke Detectors Yes No Fire Extinguisher Yes No Swimming Pool Yes No Sauna Yes No Uncovered Patio/Deck Yes No Central Alarm System Yes No Hot Tub Yes No PAST HOMEOWNERS/RENTERS CLAIMS 30. Please describe in detail any homeowners/renters claims made in the last 5 years. TYPE OF COVERAGE 31. Do you want Dwelling Coverage? Yes No 32. Approximate Dwelling Coverage (Replacement value less land): $ 33. Requested deductible: $ Select One 100 250 500 1000 2000 5000 Not Sure 34. Requested liability coverage: $ Select One 100,000 300,000 500,000 1 Million Umbrella Not Sure 35. Would you like Replacement Cost Coverage on Contents? Yes No 36. Additional Coverage: Description 1: $ Description 2: $ Description 3: $ GENERAL INFORMATION First Name: Last Name: Phone: E-mail: Street Address: City: State: Zip Code: County: Best time to contact: Please provide any additional information that may affect your quote. Thank you for filling out our form! We will respond promptly.