How to buy housing homeowners insurance

The process of the purchase of housing, homeowners insurance should always the first place, because there is no insurance, mortgage lender will not provide loans to you. Insurance providers, as well as your real estate agent can help you to buy the right homeowners insurance.
Before looking for housing
For affordable housing for themselves the most powerful position, for the lowest mortgage rates, insurance to cover all the scope of the need to protect. In addition, do some preparatory work in advance.
Verification of credit rating: a good credit score can help in many ways to you, including the most likely get a low interest rate mortgages.
Aware of their homeowner insurance claims records: claims records, the better, the premium may be lower. If you want to sell the current housing, a good record of insurance claims is also very important.
##CONTINUE##Tenant Insurance: If the current rent you are living abroad, you certainly know that the purchase of private property for the need for insurance. If you have not bought houses, and that first-time buyers in the former there is a good insurance history is very helpful.
Hunting room
If you are working with real estate agent showings, keep in mind the characteristics of housing (such as location, building materials) can decide the level of premium rates.
Housing construction: check housing base walls, supports, beams and joists are strong. Asked whether the Housing larger or structural transformation, whether by the renowned architect's work, whether houses used urea-formaldehyde. Similar to the garage also needs to be done to check that your insurance company need to know such information.
Housing Age: old houses usually have a point of some of the features, such as lime walls, ceiling and the high cost of replacement of wooden flooring. Features such as your insurance premium will increase. After renovation to existing building standards of the old point of housing, often than not done premiums low.
Roofs and external housing: Check the roof, pay attention to shingles, chimneys and roof drainage situation. Paint the outside of housing areas have to pay special attention to have any cracks.
Energy Efficiency: Check the type of heating system, when installed, inspection windows, plumbing and wiring. Aging of these things are likely to constitute the housing problems. The newly renovated housing will be more security, fire or flooding the possibility of even smaller.
Safety equipment: with smoke, fire alarm system and monitoring of the housing will be much lower premiums. Solid doors and windows, and windows, and lock bolt can also reduce insurance costs.
Ponds, wood burning stove, etc.: with these facilities, housing, the need for greater insurance coverage.
Adjacent to Fire Station: Fire Department in or near the fire hydrant near the housing, to lower insurance costs.
Single
Many of you have seen the house but also to target a small number of sets in the house, you need to be on the set of housing and security of its more detailed information.