Obtaining Your Home Insurance Quote from The General Online
When it comes to securing your home, having the right insurance is essential. Getting a home insurance quote from The General is a straightforward process you can complete online in minutes—no phone calls or paperwork hassles.
This guide walks you through each step to secure a quote, explains what information to prepare, and shows simple ways to lower your premium without losing important protection.
Steps to Get Your Home Insurance Quote Online
Start on The General’s website and follow the guided quote flow. You’ll enter basic details about your property—address, year built, roof age, square footage, construction, and any safety features. These inputs help tailor coverage and pricing to your home.
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Request Your Home Insurance Quote
Obtain home insurance quotes to protect your property effectively.
Quick Checklist: What You’ll Need
- Property address and occupancy (primary, rental, seasonal)
- Year built; roof age/material; recent updates (roof, plumbing, electrical)
- Square footage, number of stories, construction type (frame/brick)
- Safety devices (monitored alarm, deadbolts, smoke/water sensors)
- Approximate rebuild cost or current dwelling limit (if known)
- Desired deductible ($500, $1,000, etc.)
- Any prior claims in the last 5 years
Coverage at a Glance (What Each Part Does)
| Coverage | What It Protects | Typical Range | When to Adjust |
|---|---|---|---|
| Dwelling (Coverage A) | Structure of your home | Rebuild cost | Increase after renovations or material/labor cost changes |
| Other Structures (B) | Detached garage, fence, shed | ~10% of A (varies) | Raise if you’ve added new outbuildings |
| Personal Property (C) | Belongings inside the home | 50–70% of A (typical) | Schedule high-value items (jewelry, art) if needed |
| Loss of Use (D) | Living expenses if home is uninhabitable | 20–30% of A (often) | Increase if hotels/rentals are costly in your area |
| Liability | Injuries/property damage to others | $300k–$500k+ | Raise to match assets; consider umbrella later |
| Medical Payments | Guest medical costs | $1,000–$5,000 | Adjust for frequent guests or rentals |
After you receive your quote, review coverage limits and endorsements (water backup, equipment breakdown, extended replacement cost). Adjust the deductible and see how the premium changes. For savings strategies, explore bundling ideas and check budget-friendly auto options if you’re also shopping for car insurance.
Frequently Asked Questions
These short answers will help you navigate quoting, customize coverage, and avoid common mistakes.
What factors affect my home insurance quote?
Location risk (fire, wind, theft), age/condition of the home, roof age/material, prior claims, rebuild costs, and the deductible you choose all play a role.
Can I change my coverage after getting a quote?
Yes. You can modify limits, add or remove endorsements, and adjust the deductible before you bind the policy—and later at renewal.
How do I file a claim with The General?
You can file online or by phone. Keep photos, receipts, and a simple timeline of events to speed up the process.
Final Thoughts on Securing Your Home Insurance
Quoting online with The General is quick, and you stay in control: prepare the basics, compare deductibles, and apply eligible discounts. Review coverage annually and update limits after renovations so your protection keeps pace with your home.
Ready to begin? Start your quote and tailor coverage to the way you live.