To receive an accurate home insurance quote, you’ll need to provide some personal information, but you may be reluctant to do this. Many people worry about how a company will use and store their personal information or that they’ll start receiving spam emails and phone calls.
Plus, if the company is the victim of a data breach, that could leave your sensitive information exposed. If you have these concerns, you can do things to minimize the amount of personal information you share when getting a home insurance quote online.
It’s possible to get an anonymous home insurance quote, though it may not be as accurate as a customized one. Insurance companies consider a number of factors to determine your monthly insurance premiums, including the state you live in, your claims history, credit history, and the characteristics of your home.1
If you don’t provide this information, it’ll be hard for insurers to provide accurate home insurance rates and coverage options on a standard home insurance policy. And even if you receive an anonymous quote, you can’t finalize your application for home insurance anonymously.
The best option is to conceal details that don’t affect your insurance rates, like your email address and contact information. For example, providing a “burner” email address allows you to evaluate the initial quote. From there, you can decide whether you want to move forward with the application.
Insurance companies ask for a lot of information to determine the coverage types that best meet your needs and give you an accurate quote. More information helps the company find the right coverage for your situation, like liability insurance, replacement cost coverage, and personal property coverage.
You’ll typically need to provide the following personal details for a homeowners policy:
Name
Age
Gender
Marital status
Household size
Home type (one-story, two-story, etc.)
ZIP code
Address and previous address (if lived in less than two years)
If you have a security system and fire alarm system
Whether you have a mortgage
The actual cost of your home (the higher the price, the higher the rates)
Construction type
Roof type
Whether your property has any potential risks, like a swimming pool
Details about your personal belongings
Information about your current policy
Providing this information is vital if you want to receive an accurate insurance quote. The average cost of homeowners insurance can vary widely depending on where you live. Insurers consider local construction costs, weather events, and crime rates to determine pricing for property damage.
When you apply for a home insurance quote, the company will require you to fill out a form and provide sensitive information. Here are the biggest pros and cons of anonymous home insurance quotes.
If you need to purchase a homeowners insurance policy but are concerned about data privacy, here are three ways you can protect your personal information.
Using a comparison website like Insurify allows you to receive multiple quotes at once while protecting your personal information. And Insurify is a spam-free website, so you don’t have to worry about getting bombarded with emails from insurers after applying.
When you apply, you’ll need to provide your name, address, and property details to receive a free quote.
A home insurance calculator is an online tool for estimating your home insurance premiums. You can estimate the costs based on your property type, location, coverage level, and personal information. This helps you understand what you might pay without providing sensitive information to many different insurers.
You can provide limited personal information when applying for home insurance quotes. For example, you can provide basic details about your property and avoid providing information like your Social Security number. You can also use temporary contact information, like a secondary email address and phone number.
Insurify offers free home insurance quotes and takes many different steps to protect your personal information. A licensed agent in all 50 states and Washington, D.C., Insurify guarantees you’ll never receive spam emails or phone calls after using our service.
Insurify also will never disclose your personal information to third parties unless it’s related to an insurance product you’ve expressed interest in, and we don’t sell user data. We do use tracking cookies to improve the functionality of our site and create relevant advertisements, but you’re always free to disable them.
Here’s a look at four home insurance companies that require minimal personal information to receive an online quote.
If you have more questions about anonymous home insurance quotes, be sure to check out the additional information below.
When you’re applying for homeowners insurance, you’ll need to provide your address and some basic details about the property. For example, insurers will want to know when the property was built, the construction details, and when the roof and major appliances were last updated.
It’s possible. Many insurance companies, like State Farm, require you to speak to an insurance agent to complete the home insurance process. But when you use an online quote-comparison platform like Insurify, you don’t need to call an agent to get a quote — just fill out the form online.
If you want to receive the best quote for home insurance, it’s important to shop around and compare offers from several different insurance companies. You can save money by increasing your deductible and bundling your home and life insurance policy together.3
Yes. It’s safe to get insurance quotes online, provided you only use reputable websites and a secure internet connection. It’s also a good idea to check the company’s privacy policies and look for standard security features before sharing any of your personal information.
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