You are not alone if you have noticed an increase in your homeowners' insurance rate lately. In fact, according to Policygenius, on average, premiums are up 12.1% compared to a year ago. These costs rising are likely due to inflation, supply chain disruptions and increased costs for skilled labor and materials.
It seems it is more important now than ever to ensure you are saving money everywhere you can. Enuff Insurance can assist you in revisiting your homeowners' insurance policy to ensure you have the coverage you need or can assist you in an entirely new custom policy quote that fits your circumstances.
Obtaining a home insurance quote can be slightly more complex than obtaining a car insurance quote. We don’t want you to feel overwhelmed, so we have created this checklist for you. It helps us gather most of the information we need to provide you with an accurate quote.
Who lives at your house? This includes yourself and any others who may dwell in your home. We will inquire about your marital status, how long you’ve lived in your home, whether you run a business from home and the type of pets and how many you have.
What is your insurance history? We will want to know details about your existing coverage, if applicable. If you have a mortgage on the home, the estimated cost of rebuilding your home and if you have had any prior insurance claims made.
What is your house like? This portion will include a series of questions such as the year your house was built, do you have a garage, the style of the home (including its exterior finish) and the age of the roof. Square footage will also be needed as well as details such as how many bathrooms and if there is a fireplace. This step helps to determine the amount of coverage that fits your needs.
What improvements have you made to the house? We want to know it all! Have you made any home upgrades such as remodels, replacing the roof, adding a central air system, etc? Many updates help to increase the value of your home. If you have an existing policy, it may not reflect all the upgrades done.
What kind of safety devices do you have? This includes smart or connected home technology, fire sprinklers and a security system. These items may qualify you for a discount on your insurance.
We here at Enuff Insurance have the benefit of being an insurance brokerage, this means we are not contracted to sell any individual brand’s insurance. We work for you, our client. We will discuss your insurance needs and shop many insurance companies to make certain you are getting the lowest rate possible while still maintaining all of the insurance you require. Gathering the information above will make it easier and faster for you to get an accurate quote, ensuring you have enough coverage to protect you and your family's needs. Contact us now at 615-988-5199 so you can say you have Enuff Insurance.