Home contents insurance is an insurance policy that covers your personal belongings and the contents of your home against loss, damage or theft. A home contents insurance policy protects your items that are inside the home you live in while they are there, and it doesn't matter whether you are the homeowner or rent the property from a landlord.
A home contents insurance policy is sometimes known as a personal property insurance policy. If you are a renter, it can also be called a renters policy, although a renters policy will usually cover damage or loss you cause to your landlord's property as well as damage caused to your personal property in the event of a disaster or theft, etc.
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Most of us tend to undervalue the items we own in our homes. Maybe it's because we really don't want to think about how much we've spent on ourselves when we took shopping trips, but whatever the reason, most people will not have an accurate estimate, when asked, of how much it would cost to buy all the items in their home if they had to buy everything over again.
But that's exactly what you would need to do if your home were destroyed by fire tonight. You would have to go out tomorrow and begin to replace everything you own.
A home contents insurance policy will ask you for the current value of your personal belongings, but it will not ask you to itemize everything when you apply for the policy. Only when you suffer a loss will the insurance agent ask you to prove what you owned. So how much do you think your personal items are worth? Take a guess and then go through this list to jog your thinking about what you really own and how much money it would take to replace it all. I'll bet you'll be surprised at the total value of everything in your house.
oWall to wall carpeting, area rugs
oWindow treatments, blinds and curtains, drapes
oArtwork, either on the walls or collectible pieces on shelves, heirlooms
oFurniture in every room throughout the house, sofas and loveseats, chairs, dining room table and chairs, desks, coffee tables and side tables, beds, dressers, bookshelves
oOutdoor and patio furniture, tables and chairs, lawnchairs, barbecue or gas grill
oLight fixtures such as chandeliers or any special lighting you've added to the home since you bought it
oDon't forget to count any items of value that you may have in your attic or in a storage shed close to the house which could be damaged or destroyed
oSporting equipment, bicycles, golf clubs, bowling equipment, scuba gear
oElectronic equipment, desktop computers & monitors, printers, faxes, scanners, laptop computers, modems, wireless routers, cordless phones, cell phones, Ipods, PDA's
oAppliances, TV's, DVD's or VCR's, stereos or CD Players, refrigerator, freezer, stove and oven, dishwasher, microwave, trash compactor, wet/dry vacuum
oJewelry, if you have appraisals for any special pieces, keep it in a safe deposit box
oLawn tools, hoses, leaf blower, weedeater, riding lawn mower, wheelbarrow, shovels and rakes
After going through this list, you will gain a better appreciation for the importance of a home contents insurance policy that provides adequate protection for you and your family.
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