Requesting a quote isn't a trip to the records office: it doesn't need an archive, just ten minutes of preparation. This list gathers what's needed to put together an accurate quote – one that will also be well-founded at a claim. The more realistic the data, the fewer surprises later: a quote is only ever as good as what goes into it.
- Property details plus sums insured plus requirements plus history: that's all an accurate quote needs.
- Personal documents are not needed for a quote request – they only come into play when you actually sign.
- Don't guess at the sums insured: rebuilding value for the building, and a room-by-room inventory for the contents.
The property's basic details
These details determine what risk the quote is built for – worth giving accurately rather than from memory. If you're unsure about something, say the wall material, just say so: getting it right is joint work, not an exam.
- Exact address – the location of the risk is one of the basic data points for a quote.
- Floor area – the usable floor area, level by level for multi-storey properties; mention outbuildings (garage, storage) separately.
- Structure and year of construction: the material of the walls, floor slabs and roof, the year built or last substantially renovated – why it matters: building types and insurance.
- How it's used: permanently lived in, let out, a holiday home, or empty for an extended period – this is a coverage question too, not just a pricing one.
Sums insured and high-value items
This is where the quality of the quote is decided: with properly set sums insured, quotes turn out not just cheaper or more expensive but genuinely comparable – and these are the figures that will do the work at a claim.
- Buildings sum insured: the true rebuilding value – not the market price, and not the mortgage amount.
- Contents sum insured: the result of a room-by-room inventory – fifteen minutes, and you get an estimate instead of a guess.
- List of high-value items: jewellery, watches, art, collections, high-value technical items – separate limits typically apply to these, and flagging them in advance lets them be sized properly.
Requirements and history
The third block is about your requirements – this is what makes the quote yours, not an average household's.
- Riders requested: liability, glass breakage, assistance, garden items, solar panels and the like – for the full menu: the optional-covers map.
- Claims history: a brief note of any claims in recent years – accurate disclosure is the basis for accurate pricing, and it protects you at a claim too.
- Renewal date of your current policy: important for timing – it determines from when the new cover can start.
- If you have a mortgage: the bank's name and whether a mortgagee clause is needed – for the detail, the loan agreement and the bank's own guidance govern.
- Planned renovation: if bigger work is coming up, flag it in advance – cover can be adjusted for this too: renovation and insurance.
What you don't need – and the next step
You don't need a personal ID, a title deed or a purchase contract to request a quote – those come up, if at all, only when you sign, and even then only the ones that are relevant: how signing works. Once you have the list above, everything else is quick: run the numbers in minutes on the online calculator (in Hungarian), or send me the data and I'll line up competing quotes from several insurers side by side – by substance, in one clear table. The decision is yours. And you only need to gather this data once: the same list serves the calculator, the quote request and, later, the annual review too – save it alongside your policy.
A question about your own home? Run the numbers in minutes with the online calculator (in Hungarian), or book a free 20-minute consultation →
