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When you apply for insurance to your home owner insurance company, you’ll need to provide a great deal of information and documentation. The insurance company will ask you about such details as:

  • Your current occupation and employment history

  • Marital status

  • Previous addresses

  • Date of birth

  • Social Security Number

The insurer will check your criminal, credit, and insurance history to see if you are a "good risk." The insurance company also will look at your "loss history" to see what kinds of home insurance claims you've made in the past.

Then, you’ll have to decide what type of homeowners policy you want, the deductible, and how you’ll pay for the coverage. Your agent or home owner insurance company will determine how much it would cost to replace your home and many of the items inside. For more expensive property, such as jewelry and computer equipment, you might need special coverage in addition to the basic policy.

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