More people are aware of the benefits of homeowners insurance today than ever. True to this, 93% of homeowners in the United States hold some form of home insurance, according to Money Geek. Before deciding on an insurance provider, you must request a homeowners insurance quote to predetermine if they fit your budget. Here are three steps you need to ensure you obtain a fair quote.

1. Make a List of Who Lives at Your Home

There's a standard set of information that your insurance agent will ask for when you request a quote. This includes things such as your contact information and that of anyone else living in your home, how long you've been living there, and if you own any pets. They'll consider these variables when putting together your homeowners insurance quote, so make sure you give them all information you need. Be sure to work with a company that has a great track record with customers to guarantee you'll be able to receive a quote that will allow you to get the coverage you need without having to break the bank.

2. Gather Details About Your Insurance History

An insurance provider will be interested in learning about your insurance history as it gives them insight into the level of coverage you may require. If you currently have a homeowners insurance policy and are shopping for a better option, it's a good idea to have the details of your current policy on hand. This typically includes any mortgage on the home and prior insurance claims. Take the time to find an insurance company that accepts a variety of payment options so you can pay the quoted cost and receive coverage that same day.

3. Note Down Your Home's Characteristics and Features

You'll likely be asked questions about your home's features and unique characteristics. Prior to the call, write down the year your home was constructed, the age of your roof, your home's style, the exterior finish, and whether you have a garage. You'll also need to note the square footage of the entire structure and the number of fireplaces and bathrooms. This information will be instrumental in helping your insurance provider determine the coverage that best serves your needs. Contact a local insurance company to make certain that you'll be able to receive high-quality customer service and quickly get assistance.

Being prepared will make obtaining a homeowners insurance quote much more effortless and ensure you get fair coverage from your provider. When you're ready, give Barranca Insurance Services, Inc a call. Our team will help you obtain the coverage you need and answer any questions you may have.