During your search for an affordable home owner insurance rate, you can expect to answer five general questions. 1. Do you rent or own? Knowing whether you own or rent will help the insurance agent understand in what direction you will need to go in order to determine your home owner insurance rate. Because they only need to insure the contents of the home, renters don't need as much coverage as owners. 2. What is the general condition of your house? If your home is safe and well-maintained, your home owner insurance cost will likely be less than if it were in poor shape. If your home is older, you may want to make some repairs before getting a home owner insurance rate. 3. What kinds of possessions do you have, and what are they worth? How many valuables and possessions you have, as well as their worth, will help determine your home owner insurance cost. If you have many, you may want to get a floater policy, too. Gather receipts and take inventory of your possessions, such as pictures and videos. 4. How many people, and what kinds of pets, live in the house? Knowing how many people live in your house, and even what kinds of pets you own (think dangerous pets or pets that may cause damage to the home), helps insurance agents determine the kind of and how much coverage you are going to need which of course helps determine your home owner insurance cost. 5. What kind of liability insurance will you need? Liability insurance is insurance that covers the cost of property damage or loss as well as the costs to any physical harm that may be done to a person on your property. Take into consideration any potentially dangerous areas of your home as well as how many people usually frequent your home in order to decide how much liability insurance you'll need.

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