20 key questions to ask when writing homeowners insurance

When writing homeowners insurance policies, it’s essential to ask thorough and comprehensive questions to ensure that the coverage meets the specific needs of the homeowner. Here are 20 key questions to ask:

  1. What is the full name and contact information of the homeowner?
  2. What is the property’s address, including the ZIP code?
  3. Is the property a primary residence, secondary/vacation home, or rental property?
  4. What is the construction type of the home (e.g., wood frame, masonry)?
  5. What is the square footage of the home, including any outbuildings or detached structures?
  6. How many stories does the home have?
  7. When was the home built, and has it undergone any recent renovations?
  8. What is the estimated replacement cost of the home and its contents?
  9. Are there any high-value items or collections (e.g., art, jewelry) in the home that need additional coverage?
  10. What is the condition of the roof, plumbing, electrical, and HVAC systems?
  11. Does the property have a swimming pool, hot tub, or other special features that require coverage?
  12. Is there a security system or fire protection system installed in the home?
  13. Are there any known hazards on or near the property (e.g., flood zones, wildfire risk)?
  14. Have there been any previous insurance claims on this property?
  15. What is the desired deductible amount for the policy?
  16. Are there any safety features in the home (e.g., smoke detectors, sprinkler systems)?
  17. Are there any business activities conducted on the property (e.g., home office, short-term rentals)?
  18. What is the estimated value of personal belongings to be insured (furniture, electronics, clothing)?
  19. Does the homeowner have any pets, and if so, what type and breed?
  20. Is the homeowner interested in additional coverage options, such as earthquake, flood, or identity theft protection?

These questions will help you gather the necessary information to provide a tailored homeowners insurance policy that adequately protects the homeowner and their property. Remember to thoroughly document their responses and provide clear explanations of coverage options to ensure they make informed decisions.

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