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 CONTENTS INSURANCE
Building contents insurance is an essential policy for renters to have from the time they first get all of their stuff moved into their new apartment or townhouse. Protecting your things and those belonging to everyone else in the home is a very important thing, and it is not something that's done within the bounds of a landlords policy, which creates the necessity for renters contents insurance. No matter what type of rented building you live in, it is crucial to pursue and enlist in this type of coverage because of the protection that it provides.
There are many folks that rent who don't really know a whole lot about building contents insurance. This might be true of first time tenants like a student getting out on their own for the first time as well as others who have been renting for their whole lives. Find out more about this coverage type and learn what makes it so essential to you and to those in your household. And, find outs about some of the things that you can do to save money on your coverage so that you can get the protection you want and need without having to exceed your budget.
Contents Insurance Basics
Building contents insurance is a type of coverage that everyone who rents a home should have in place to protect them and their financial interests. No matter where you live, whether it is a condo, a loft, or any other rented dwelling, there are risks that you face every single day. This is of course true for everyone and not just folks who rent. There are many things we can do to reduce the risk of problems like a house fire, but there is nothing anyone can do to eliminate that risk. There is always a chance that you are going to face a major claim situation calling for a contents building insurance claim.
The protection provided on these policies is important because in essence it picks up where your landlord's coverage leaves off. You don't have to worry about protecting the walls and the floor and the physical structure of the home you're renting, because that's the owner's concern. Of course, as tenants we want to do everything we can to protect our homes anyway; this is just speaking from a building contents insurance standpoint. The actual building itself needs to be insured by the owner, along with anything the owner brings in like the appliances or the cabinets, for example. But the things you bring in when you take occupancy are all yours to protect.
Importance of Renters Coverage
That's why it is so important to have building contents insurance. Imagine where you'd be if you suffered a major loss and had nothing to show for it and no way to recoup any of the expense of replacing it all, or dealing with the expense of having to relocate if the rental home was rendered unlivable as a result of the loss incident. Building contents insurance contains provisions to help you deal with all of these things. It won't stop a kitchen fire from spreading to the rest of the building; but what contents insurance will do is help you buy new kitchen supplies and a table and chairs if the fire takes them all out before you can get it under control.
The contents you own in the building you rent are your responsibility. This is something that's pretty important to remember and take note of in distinguishing between what's ours and what's the landlord's to take care of. A whole family or just a single renter from a young professional all the way up to a retired senior citizen should have the protection of these policies and should make the effort to locate a great plan backed by a quality local carrier.
Saving Money on Content Insurance
Contents insurance has value and importance to you no matter what kind of building you live in, because it has nothing to do with the dwelling place and everything to do with the stuff you bring inside. Getting set up with a good contents policy is easy when you get with a top local professional in the industry. You can set the limits of protection at an appropriate level given the value of the things you own or their replacement value.
Use our free form to locate and compare several local companies offering reliable building contents insurance plans and the prices that they have to offer to you as a potential client. Policyholders should go through this exercise to get to know their building content insurance market and also to learn more about these policies and their own needs. Choose building contents insurance that can defend you and your loved ones.