How To Obtain Homeowners Insurance? 
Talk to your Insurance Professional , that is always the best place to start . You will need to let them know the location of the property as well as any specifics about that property that you have . They will need detailed information and may also arrange to to a site inspection in order to complete a Reconstruction Analysis in order to recommend the proper amount of coverage . Once they present you with a recommendation , you can and should discuss any additions or changes that would best suit your needs , decide on a deductible , and agree upon a price . Your agent will then need to know about your mortgage company , and their specific `` mortgagee clause '' for inclusion in your policy . You then sign the application , pay the initial premium and you are done . In most cases you will be able to walk out with a completed Homeowners Declaration Sheet or at least a coverage binder and receipt of payment . 