Contents insurance covers everything in your home such as artwork, furniture, jewelry, stereo, and any other valuable possessions that you might have in your home.  It’s all the expensive items you have bought over years of time.  Imagine having to pay for all the clothes you’ve bought over your lifetime that are in your closet right now?   Or, the expensive stuff inside your entertainment center?  Insurance is definitely important to have.  But, how can you get a quote on contents insurance?  You can get a quote from either your homeowners insurance company, automobile insurance company, or a private insurer.  It’s only a phone call away.

When you do get a quote on contents insurance, please make sure you estimate the total value of everything in your home.  Add up everything in your home as though everything was missing and you had to replace it.  Take pictures and record serial numbers of major items such as the HD Televisions, artwork, stereo, and appliances.  It’s important to list these items with the insuring agency in the case of theft, or fire.  When you get a quote, find out if there is a deductable in the event of theft, or fire.  Find out what is the maximum dollar amount of coverage.  Find out what events are listed under the policy they are offering.  For example, does the policy cover for fire?  Theft?  Flood?  And to have contents insurance means, you don’t half to be a homeowner either!  You can have contents insurance even if you are renting a home.

If you have homeowners insurance, it does not mean you have adequate, or any contents insurance.  They are two separate policies.  Homeowners insurance only protects the home in the event of a natural disaster or catastrophe. The policy only protects the structure, sheet rock, and floors.  That means, your personal items are not insured.  A good example of this is the disaster that took place in New Orleans.  Many of the residents lost their homes in the Katrina Disaster.  Many homes were rebuilt but unfortunately, the homeowners didn’t have any contents coverage of the items that they had inside their home.  The homes were eventually replaced, but the items inside the home all had to be replaced and paid by either the resident or the homeowner.

Make sure the insurance company you are getting the policy from is a reputable company.  This is real important!  If the company is not reputable, they may not be able to handle such a catastrophe leaving you with little to no money at settlement.  Remember, they are insuring multiple policyholders and, if there is a major catastrophe in your area, funds will soon dwindle down leaving the insurance company in a bind.  It will also affect how long you will wait to receive your claim.  It’s much safer to go with a larger company.  They know how to deal with natural disasters and have been doing it for a long time.  Get a cheap quote on contents insurance to protect your personal belongings.