1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The easiest way to estimate the premium for a homeowner’s policy is to either contact an agent and get a price, or ask neighbors whose homes are similar to yours.  Ultimately a homeowner’s policy is tailored to your unique home so getting a quote from an agent is the most precise way.
    Answered on April 24, 2014
  2. 616 POINTS
    Robert J Russell - Finalist for Broker of the Year 2015
    Broker Owner, InsuranceAgentsSelling.com, United States (Most States)
    It is almost impossible to guess because insurance companies are so different as well as the coverages. I would call your insurance broker and get him/her to explain the differences between cost vs benefits. If you ever have any questions, I am always here by email or by phone.
    Answered on March 1, 2016
  3. 2775 POINTS
    Joe 'Gravy' Graves
    Owner, I Hate Buying Insurance, Nashville TN
    Here is the answer.... YOU DON'T.

    Why Gray? Let me explain. A GREAT agent asks a TON of questions about your home. We even ask for photos BEFORE we quote. I want to see every room for features like: tile, hard wood, custom features, crown molding, granite counter tops, custom showers, & MORE. The industry uses a "replacement cost calculator" to come up with accurate figures for your replacement cost.

    If you call an agent and they don't ask a lot of questions.... RUN. You will be very sorry once a claim is filed. A great agent wants to know all the details about your home so it is insured correctly. Have any questions? Reach out. - gravy
    Answered on June 19, 2016
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