There are many details that may help you save on your home insurance and talking to a licensed agent like those at Smart Move Insurance in Scottsdale should be your first step. Basic details will include; address, square footage, year built, materials used in kitchen bathrooms, upgrades to flooring and ceilings, swimming pool, type of construction of the structure of the building, type of roof, burglar or fire alarm, any unattached structures and prior claims on the home, if any.
Many of these details will not only make sure you are correctly protected with the right type of coverage but also the correct amount. For example, if you have an additional building that is not attached to your home then you may want to increase your unattached structures coverage. Also, if you have a swimming pool on the premise, you may want to increase the liability coverage on your Scottsdale home to $500,000 of $1,000,000 to cover yourself in case of any liability issues that may arise from the pool. Other details, including type of roof, year built and burglar or fire alarm can add additional savings to your policy if because they help protect or minimize losses. For example, a tile roof is less likely to incur major water damage than an asphalt shingle roof, therefore the insurance companies will offer you a lower premium for having the tile roof. Also be aware the age of the roof could also help lower your premium, replacing your roof can help minimize the risk of a loss.
If you have any questions regarding your coverage or discounts, it is always recommended to talk to a licensed insurance agent.
Reposted from Quora: http://www.quora.com/What-information-about-my-home-should-I-have-available-when-purchasing-home-insurance
