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Agnes Said:

How do I calculate the rebuilding cost as compared to market value when requesting home insurance quotes?

We Answered:

An agent should be able to calculate this for you. At my company we either go by the cost approach value on a recent property appraisal, or we use the Xact Value tool to find an appropriate coverage amount. This is the same program used by our adjusters in the case of a claim. Be prepared to answer a lot of questions about your home's construction, such as square footage, flooring materials, the number of bedrooms and bathrooms, etc, etc, etc. It may be a little time consuming, but it's worth it to know that you're getting the coverage you need on your home, and getting quotes for the same amount of coverage when you're shopping.

Claude Said:

i need home and auto insurance quotes without personal information, help?

We Answered:

Just say it costs $230 per month for a fully comprehensive coverage on a Financed Ford Mustang 2009 age female 21.
You won't be that far off since that is what people in that situation are paying.
You can also add that they aren't happy paying it and that's also the truth.

Jeffrey Said:

I no dumb question,insurance quotes/auto&home?

We Answered:

Well, if it went sky high, there's a reason for that. It's time to shop around. Your BEST bet is to find a local, independent agent - because not all companies write in all states.

Also, unless you're in CA, the premiums are now dependent on YOUR CREDIT SCORE. So you'll have to give VERY personal information out to someone, to get quotes. And you're more likely to be happy doing that in person, and not over the internet.

Jennifer Said:

How did you get your auto/home insurance quotes?

We Answered:

I call a few local agents for quotes.

Shopping online, as you've realized, puts all your personal information out on the web, and doesn't give you accurate quotes.

This flat out won't happen, when you call 3 - 5 agents in your city.

Henry Said:

Why is there a 75K difference in my home insurance quotes? (difference is to dwelling coverage)?

We Answered:

2 words: Replacement Value

One company simply feels that it would cost more to replace the improvements (house or any other structures on the property) if they were lost. Often, the one that is closer to the tax basis (within 20%) is the right one to go with as it is possible that one insurance company may simply be quoting high because they don't sell much hazard insurance and aren't very in tune with the market