How Much Is Annual Homeowners Insurance? 
Insurance quotes are a very detailed process which will require first finding out which insurance companies write policies in your area . Contacting insurance agents local to your area is the best way tO search . I always feel quoting with more than one insurance carrier is best . An independent agent in your area can usually quote you for three or more carriers at one time . Also , if you search for independent agents online that write insurance in your state you can get multiple quotes . Once you select an agent , you will be asked for personal information , claims history , and information specific to the home . The more you know about your home the better off you will be . Additionally , remember to get replacement cost coverage , a water backup endorsement if you have a basement , schedule any valuable personal property especially jewelry , and ask about any other coverage endorsements they have available . Request the quote in writing , so that you have the ability to review the coverage and its associated cost . 