Thank you for your interest in receiving a homeowners quote. This form should only take about 7-10 minutes to complete. Don't worry if you don't have everything. You can always click the "Save and continue later" button below. We'll email you a private link to pick up where you left off.
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This should be the person with the best credit score.
Some common types of manufacturers include:
Do you have a property manager or somebody who checks on the property occasionally while you are not there?
Flat: A horizontal or nearly horizontal roof.
GABLE: A ridged roof forming a triangle at each end of the building.
HIP: A roof that slopes on all sides; there are no vertical sides.
If your home is older than 30 years we will need this information in order to provide an accurate quote since most companies require this.
If you don't know when your roof was last updated, just enter Unsure.
If you don't know when your plumbing was last updated, just enter Unsure.
If you don't know when your electrical system was last updated, just enter Unsure.
If you don't know when your exterior paint was last updated, just enter Unsure.
Only required when less than 2 years at current address.
We need this information to determine how much it would cost to rebuild this property in the event of a loss.
SLAB ON GROUND A substructure that is constructed on-site and built flush on a concrete slab.
BASEMENT A basement is an excavated area below the ground floor, typically at least 8 feet in depth, which includes the walls, a slab floor, and a stairway from the ground floor. The total percentage of the first floor of the residence that has basement below.
OPEN FOUNDATION A raised substructure not structurally attached to the foundation; sometimes enclosed with lattice.
CRAWL SPACE An excavated or unexcavated foundation area below a residence, less than 5 feet in depth, that is generally used for access to plumbing and heating equipment.
POSTS & PIERS A substructure generally rectangular in cross section, supporting the base of the dwelling.
This should not include the garage or basement
Built In Garage
A full bath includes a shower, tub, sink, and toilet.
A half bath includes just a sink and toilet.
BUILDER GRADE: Standard construction with no upgrades in cabinets, counters, fixtures and floors.
CUSTOM GRADE: Upgrades such as real wood cabinets, solid counters (granite, quartz, etc.), higher end fixtures and high end floors.
DESIGNER GRADE: Custom made cabinets, brand name counters, fixtures and floors.
SEMI CUSTOM: Upgrades such as laminated floors, nicer cabinets, nice counters (concrete, etc.).
To better assist us in comparing your current coverage to our proposal, please upload a copy of your current homeowners policy.
Note: Most carriers minimum dwelling coverage is $30,000.
Your dwelling coverage amount may vary depending on your condo association's bylaws. You may want to check with your association to see what their requirements are, and if the association insures for anything inside your unit.
Typically, the association will pay to restore the unit to its original construction, if the damage is caused due to a loss listed on your association's bylaws. If the unit has undergone any upgrades, (i.e. floors, countertops, sinks, baths, cabinets, fixtures, appliances, etc.) from its original construction, your HO6 policy provides coverage for the increased replacement value of these items. If the damage caused is not due to a loss listed with your association, your HO6 policy provides the coverage if the damage is a covered loss on your policy.
On insurance documents, this is called Coverage C - Personal Property. This is the total value of your personal property inside your unit, excluding appliances. Items such as furniture, electronics, housewares, kitchenware, clothes, toys, art, etc.
Simply make your best estimate as to the total value of all your belongings. We can assist you with this total when we review your quote with you.
Loss of use is used to provide for living expenses or lost rental income if your unit becomes uninhabitable. Typically covered items include temporary hotel or apartment, moving expenses, laundry expenses, and excess of normal grocery or restaurant bills. If you rent your unit, Loss of Use provides for loss of rental income usually totaling a 12 month period.
Example: If you rent your unit for $4000/mo., your total Loss of Use would be $48,000. (4000 x 12 = 48,000)
Central Station Fire and/or Burglar Alarm: These types of systems report to the local police or fire station, and is monitored by a third party alarm company.
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Most homeowners policies have limitations on the following types of personal property. You have the option to schedule (or add) these special items to your policy for higher coverage.
Examples of these types of items include: jewelry, furs, art, collectibles, cameras, computers, golfing equipment, guns, antiques, silverware, bicycles, coins, musical instruments.
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