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Do you need home insurance and don’t know where to start? Start with an online quote! It’s free, fast, convenient, secure, and commitment-free!
The online quote exists precisely to make your life easier and give you access to information that will help you make an informed decision. Whether it’s to help you choose the best insurance company for your property or to decide if all the costs of your dream house are within your reach, an online quote is available 24/7, wherever you are. Just submit your request and a BRZ agent will get right back to you.
Whether you are a homeowner, an aspiring one, or even a tenant, these guidelines are for you! By the end of this article, you will know everything you need to have in hand in order to get all of the information you are looking for.
To begin, you will need to provide proof of identification and information such as your date of birth, marital status, how many people in your household, and the address of the home you wish to insure.
You will also need information about the house, which will include the number of bedrooms, rooms, adjacent buildings and developed area.
The coverages and limits you apply for will help determine how much you will pay for a policy. You can learn all about these coverages in our Everything You Need to Know About Homeowners Insurance post. Be prepared to also report:
Renovations and repairs
Any history of renovation or major repairs are relevant for taking out homeowners insurance. Roof repairs, a new fire system, a renovated basement– all of these are important to talk about. If you’ve just purchased this home and don’t know anything about recent renovations, you can get some of this information by researching local building permits.
Current conditions and amenities
How old is your water heater? When was the last time the plumbing was updated? Do you have a fireplace? Security system? These details will help determine the home’s current condition and how much it might cost to repair or rebuild it if it is damaged by a covered hazard.
Condo insurance is very similar to Homeowners, but you are only responsible for your unit. Common areas of the building and condominium are insured by the association’s insurance.
This means that the information you will need to provide in order to make a quote are your proof of identification, marital status, how many people live in the condo and the condo address. Information such as footage, renovations and the type of fixed structure that the property has will also be useful for a more accurate simulation.
Having a listing of your personal assets can also be helpful, as the quote will be based on that coverage.
To obtain a renter’s insurance quote, you will need to provide your name, address of the rented property and number of bedrooms.
You will also need to talk about the belongings that are inside the unit, as the personal property coverage limits are based on their value. It’s important to be very honest and thorough, because in the event of a claim, the amount you will receive will be based on the information provided.
The more detailed you are in your request, the more accurate your response will be. However, a quote can still be done, even if you do not have all the information listed above.
If you have any questions about conditions that could directly affect your insurance value or the average amount you would pay for homeowners insurance, reach out!
Get your quote online or speak with us through one of our many communication channels. You can count on us to make it happen!
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One of the best ways to reduce your monthly bills is to invest in renewable energy. This can often be done with systems you can build yourself.
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Coverage for damages from a heating oil spill is not included in a Homeowners Insurance policy. In this article, we list everything you need to know about heating oil spills in your home and how to protect yourself from damages.
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March 28, 2022
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Learn all about Homeowners Insurance and how it can protect your dream home and your family in Uncle Sam's land.
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We are an insurance company made by people for people. A community that speaks tyour language, with people who care about your future! Here you can find all the protection and care that a home offers. Come and join us!
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We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside of it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to