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Thanks for making it easy to find the cheapest renters insurance. Knowing our stuff is always protected gives me peace of mind.

Matt and Bethany, Charleston SC

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Obtaining buidings and contents insurance is essential for you in order to protect your greatest asset-your home. Whether you own, or rent your property, you likely have significant value in your property and in an effort to protect and safeguard that property you'll need to secure buidings and contents insurance. If you know where to look, finding the right coverage is easily done.

Request quotes online from the top local insurance companies in your area and you'll soon find the ideal combination of quality coverage and affordable rates to satisfy your insurance needs. Once you've found your perfect policy, review the coverage to make certain you understand the ins and outs of your policy before signing anything. After all, you aren't just insuring your property, you're inusring your lifestyle.

If anything were to happen to your home structure or your personal property, and you had not yet obtained a buidings and personal contents insurance policy, you could stand to lose everything. All of your hard work, all of your material goals, even cherished mementos could be gone in an instant, leaving you to begin again from nothing. Your buidings and rental property contents insurance policy will provide compensation for lost or stolen property, as well as damaged buidings in the event of fire, flood, or any number of natural disasters, as well as insuring you against theft.

Also included in a sound renters or homeowners insurance policy is protection in the event someone is injured while visiting you. For example, should your dog decide to snap at, and injure, a guest in your home, your liability coverage would pay for medical treatment. If a guest in your home should leave his or her expensive golf clubs in your driveway and your teenage son runs over them, your liability coverage would compensate for damage to your guests personal property. Even under the most careful of circumstances, accidents can happen. It's a wise homeowner or renter who carries liability as a part of their insurance policy for buidings and contents.

How Buidings are Protected

If you are the owner of a building, a home or rental property, your buidings and contents insurance will be there to rebuild in the case of destruction or serious damage. Should fire render your home uninhabitable, or flood damage cause mold, should you be the victim of a mudslide, or your pipes burst, you can take solace in the fact that your buidings and contents insurance policy will put everything back to rights and you'll be back in your home again soon.

When you opt for an amount for which to insure your home or rental property, remember you are insuring the structure only. You needn't worry about the surrounding acreage. Don't assume to insure the structure for the amount you paid for it, nor the amount for which your property was appraised. Those figures reflect the surrounding property as well as the structure. You don't want to pay to insure your backyard, for example.

Finding the amount for which to insure your structure is easy. Following a formula used by buidings and contents insurance companies, call around to your local builders and find out the amount they charge per square foot to build a property. Multiply that amount by the square footage of the structure you're insuring and you'll have a base amount for which to insure.

Insuring Your Personal Property

Determining the amount for which to insure your contents takes a bit more time. You'll need to inventory all of your personal property. Books, electronics, hobby gear and jewelry, along with your everyday possessions. Assign a replacement value, or actual cash value to each item. Add those amounts together and you'll have the amount for your contents portion of your buidings and contents insurance.

The Right Policy

Making sure you have the right buidings and content policy is important. You need to be certain of the value amounts you place on your contents as you wouldn't want to be underinsured and lose out, or over insured, and spend money needlessly. The same reasoning applies to your buidings insurance. Don't be afraid to call around for a number of estimates in your area. Settle on an average, or go to the high end if you like. Buidings and contents insurance is so reasonable, in most cases, that you can afford to insure for replacement value.

Don't neglect securing a policy for buidings and contents insurance. As a tenant, you'll want the contents coverage, especially if you live in a multi-family building. As a landlord or homeowner, you need to protect your investment property or most important personal asset. Knowing you're covered from destruction that threatens everyday will allow you peace of mind and that is your most priceless asset.