Contents Insurance, To Be or Not to Be
Take a look around your house. Start in the living room. Now move your way to the kitchen and bathrooms. Stop at the bedrooms. What do all these rooms have in common? All these rooms have possessions, some very important and valuable while others are junk or worthless. Combined they are all worth money and that is where contents insurance comes into play.
Do you know what you would do if a deadly fire or flood destroyed them all? Do you know about contents insurance? If not, let me explain. Contents insurance provides coverage for all those possessions you hold dear. They are reimbursed in money if they are destroyed in a natural disaster or by theft. This
In a matter of minutes your house can go from the place you called home to a pile of mess, destruction and bits of pieces all that remain. Natural disasters like fires, tornadoes, and hurricanes happen quickly and they do not show mercy. Are you protected from these types of storms? Are you protected from floods and theft?
If you want contents insurance it’s only a phone call away from getting the process started. Call up your insurance broker and request an appraiser stop by and assess your home and contents. Bonded valuators are trained professionals who will go over every corner of your house, jotting down the value and asking questions to the homeowner.
Allow the appraiser to roam your house freely and take his or her time. Remember, the better job they do appraising, the more accurate your possessions are calculated. Follow them around and answer any questions they have. They are trying to work with you, not against you.
The insurance company will work closely with the appraiser and discuss the contents of your home. The insurance company may provide additional information on how you can better protect your home. Sometimes these are more than suggestions, stipulations that must be met before you gain full coverage.
Common suggestions made by insurance companies are installing security alarms and building safe’s for extremely expensive items such as jewelry. While these installations are pricey, the long-term protection is more than worth the cost of the alarm system or safe.
Most people do not have a lot of jewelry or expensive items lying around the house. But almost every house has important items that help run the house everyday or items that may not be worth a lot, but were passed down for generations in the family. Contact your insurance provider, request an appraiser, and get started on contents insurance. Trust me, it’s worth it!
