What People Are Saying
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
BUILDING AND CONTENTS INSURANCE
Building and contents insurance is a wise investment into the home or office of anyone. When something unexpected happens, such as a fire, flood or other disastrous event, you can never be sure how much will be salvageable, and how much will have to be just scrapped. It's best to take care of this before it actually happens, and protect yourself against the cost of having to repair or replace it. In fact, with the collectibles and inherited items that many people have in their possession, replacing them might be impossible. Therefore, you want to be able to recover the value of those items with select rental insurance on your building and its contents, especially if they mean a lot to you.
The first step in this process is to inventory everything you want to be covered in the building and contents insurance policy. This should include the name, the make, the model and if at all possible, the serial number. What this means is that if you are robbed, the police have a number to reference the item by if per chance recovered. Also, it gives the building and contents insurance provider the most information in order to replace your building or property contents as closely as possible.
Finding the Right Insurance Agent
In order to find a building or contents insurance agent for your area, you can use the Internet as your best resource. All the state's registered building and contents insurance brokers are listed, and broken down by state and region. This means you can pull up your state, and then find out which building and contents representatives, local or not, service your residence location. There are advantages and disadvantages to each of them, and it will be up to you to decide who you would like to work with.
Simply because someone does not have a brick-and-mortar office in your town does not mean you can't receive great customer service. In fact, depending on how much you travel, it might work out perfectly for you, giving you access to their offices in main metropolitan areas. If something does happen to your contents while you're traveling, you'll be able to reach one of their staff any time, and receive help. Also, their company size alone gives them access to great discounts that may not be available to smaller companies.
Smaller building and contents insurance companies have the advantage of less volume. This means they can offer you more personalized attention to your coverage, and possibly find you hidden discounts that may be overlooked by larger, busier firms. If you like customer service that is sometimes lost in a marketing world full of consumers, then this might be the way to go for you. As these agents become more familiar with your needs, they may be able to find ways to help you with your insurance quotes as well.
Various Coverage Types
Keep in mind that no matter what your residence type is, there is a building and contents insurance rate specifically for it. Apartment, townhouse and condo living is different than living in a freestanding home. You are more susceptible to your neighbor's habits and whether or not they are safe makes a difference in your home too. The shared wall makes a big difference versus complete stand-alone privacy. Also, if you are a student renting a loft from a family near your school, there is something for that as well. You can purchase a building and contents insurance rate that will take care of your property if it is damaged or lost in something catastrophic.
Discounts abound too, and there are many ways to save money. As a senior citizen, you enjoy a built-in lower rate than the average consumer. So who says getting older is always a bad thing? Other ways to save include combining your various insurance needs, such as health, disability, life, and others. Your payment and insurance length record will also help determine what you pay each month, as well as how often you turn in claims.
Building and contents insurance is an investment into your own hard work each day. It can be devastating to see everything you have worked for either go up in flames, or get washed away in flood waters. While the stress of these situations is never an easy thing to deal with, it can be less if you know you've taken care of them before the event actually happened. Building and contents insurance is there to make the hard times a little easier, and keep you from having to replace your personal contents with funds out of your own pocket. In fact, it may be too expensive to replace all of those things yourself, especially all at one time when you move into a new building, or repair your old building after damage.