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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

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HOME AND CONTENT INSURANCE

Home and content insurance is necessary for any renter to truly ensure that their belongings and the home in which they are staying are protected from loss or damage that occurs in their rental home or apartment building. It can make more sense to buy both home and content insurance because there are discounts offered for carrying both coverage at the same time.

When you are considering that you rent the whole house, it makes sense to buy home and content insurance. In addition, while it would normally fall under the landlord to at the least cover the building, but not content insurance, it is important to expect the unexpected. If your landlord forgets to purchase coverage or lets it lapse, or underinsures (buys too little coverage), it makes sense for you to cover the entire structure.

Cover Every Corner

There are many times that your contents or building insurance and your landlord's insurance might compete with one another. They might argue over whose policy should cover what, even in the instance of a condominium. So, you can cover everything for yourself. Plus, it will ensure that your home and content insurance plan will take care of all your possessions, and injuries, as long as you choose to carry sufficient limits to cover yourself and your family.

Then, the issue becomes making sure that you are actually covering the actual value of your house and belongings through home and content insurance. Consider the value of all of your belongings, what you own and then go through your list again and even a third time. It is important to consider all of your belongings. You may not think of everything the first time around, so it is essential that you consider everything and go through the list again.

It is important to know that you need to maintain the property when you are looking for coverage. It is necessary to perform regular maintenance on the gutters, shutters, siding, side walks and the like. You want to make sure that you also have trees inspected and branches and trees taken out by an arborist if they determine that this is necessary. Even if trees have not yet died, they may be hanging precariously right over your home. This puts you at greater risk for damage both outside and inside your home.

Once a tree enters your home, it can damage your belongings. A fallen tree inside can also cause injury and even death to those you love. In addition, it may allow rain inside your house, causing greater damage. Proper maintenance can save you money on your policy coverage.

Take Inventory

Many individuals take pictures. A digital camera or a camera phone can make for a fairly painless process. In addition, you may want to take it one room at a time when making your inventory for your family and house. This will help you out if you ever need to submit a claim for your home and content insurance.

Flood Expenses Not Covered

When you are purchasing your home and content insurance, consider that flood insurance is a separate expense. It is not covered. You need to buy it though, particularly if the house you are renting is located in a flood plain. Contact your home content insurance agent to find out exactly how you need to go out and buy this.

Home and content insurance can help you when you are looking to cover your house and the content you have inside. In addition, it is important to consider the coverage limits of the proposed policies. Make sure you are comparing like qualities from the various insurance companies. When you are buying coverage, also make sure that you can afford the deductibles.

While it is a great way to save money on your content premium, raising deductibles to too high of a limit can make it hard for you financially in an emergency. When you need to file a claim you do not want to have to hold off because you cannot afford the deductible. Instead, consider buying the right amount of coverage for your assets. Over buying will cost you more in terms of the money you have to come up with at the time your policy renews, or is issued. So, be wise when purchasing house and content coverage.

Home and content insurance is a necessity when you are in a house. It will protect both your property and you and your family if anyone is injured in an unforeseen event such as an earthquake or a break in. You will need to make sure you buy the proper add-ons for coverage for your individual area. If you are prone to flooding, you will want to make sure that you purchase a separate flood coverage plan in addition to your content coverage.