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 CONTENT INSURANCE
Building content insurance is a worthy investment for anyone living in a house, an apartment a townhouse or even a loft. There are many levels of risk that come with any living situation, and protecting what you have worked hard for is important for both you and your family. Waiting until after a disaster happens to think about building content insurance is the wrong time, and you will appreciate your forward-thinking in the event that something happens to your living space.
Preliminary Steps to Content Insurance
Usually, one of the most important things to do when you're going to be setting up a monthly purchase like this is to write a budget. Then, you will know exactly what you can afford to pay each month, and how far that will go in terms of covering any potential losses you may have. When you talk to an agent or broker about a tenant content insurance quote, they will ask you for the estimated value of your belongings, and use this information to give you the right amount of coverage.
The next thing you'll want to do is make an inventory list of all your valuables, electronics and collectibles. This list should contain make, model, serial number and original purchase price. The original purchase price is important because some building content insurance providers pay compensation based not just on the depreciated value of the items, but on the full replacement cost. This is a very valuable feature because you cannot afford to replace something for its depreciated value normally, especially in the world of electronics and computers.
For your collectibles, you will want to write down where you purchased them and any registered serial numbers in terms of limited edition items. If the building content insurance is not able to replace them due to their limited edition status, at least they will be able to give you the full value of what was lost. Usually, the certificates that you receive with each of these purchases are going to be great sources of information for this data in particular.
Acquiring Content Insurance Quotes
Building content insurance is easy to get a quote on either online, in person or over the phone. By submitting your personal information in a short from over the Internet, you can spend five minutes of your time in order to hear back from several agents or brokers who all serve your local area. They may not have a physical building in your city, but they may work on a nationwide basis and be able to offer service in your area the same as a local building agent would. If you have more than one residence, you might prefer working with someone who serves you in more than one town.
These replies should start showing up within hours, if not sooner. These are auction-type websites where the building content insurance providers know they are competing for your building content business and are therefore going to give you the best content deal possible right from the start. In your original building content insurance estimate request, you can add a note for any special circumstances that may apply to your situation. If they cannot address these directly in their building estimate reply, they will no doubt call you or contact you via your preferred method regarding the matter.
Once you start receiving these building quotes, look them over first to see if they fit within your content insurance budget. The ones that do not need to be set aside for later review. You can look at these afterward to see if it's worth tweaking the deductibles and coverage amounts to get whatever additional features and services they offer. If you can lower your compensation in some portions and afford to increase the deductible in others, you might be able to fit their estimate into your budget in order to get quality service.
For those who do fit within your budget requirements, look them over to see what extra content insurance benefits they are offering and whether or not they are applying any discounts. Discounts can be given to several different situations, not just the typical types of either being a full-time student or a senior citizen. If you're married, own your condo or home, or agree to accept and pay your bill electronically, you can receive reduced rates as well. You might also want to look into a multiple policy rate, where you combine your building content insurance with your life, auto or health insurance.
By letting the same building company carry the coverages for these different portions of your life, you can lower rates on all of them and simplify your monthly bill payment process. One building content insurance payment to one company is much easier to keep track of than several payments due on different dates to various insurance providers.