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
HOME AND CONTENTS INSURANCE
Home and contents insurance can protect every homeowner and renter from financial disaster if something unexpected occurs. Purchasing coverage like this before an accident takes everything you have shows forward thinking and an ability to plan in spite of what the future holds. The costs that are involved with a home and contents insurance policy each month are minimal when you consider the alternative. How many people do you know personally who could afford to replace everything in their home at a moment's notice? Few live so financially set, and even if you are, what do you do about collectibles or antiques you may have inherited from your family.
This is why it's smart to look into acquiring home and contents insurance coverage. There are easy options to obtain this information and you can do so either online or in person. If you decide to talk to each agent in your local area face-to-face, you can plan ahead with a few tools in hand. If you decide to look online, then you can use these same tools as well. One of the most important pieces of data that you need first is a detailed inventory of all your belongings. This list should include make and model, serial numbers and brand and purchase price and dates.
Obtaining a Contents Insurance Estimate
Having this information in hand not only shortens the process but it also gives you a chance to start out the process of looking into home and contents insurance more confidently by comparing home contents insurance estimates. When you know exactly how much of your home contents you want to have covered, and what the approximate value is, you can really shorten the quote process quite a bit. It also helps because some home and contents insurance companies offer compensation based on the original purchase price instead of the typical devaluation rate. Giving them the purchase value will let them give you a better estimate of coverage and how much that will cost each month.
As you begin to acquire home and contents insurance quotes, consider how you want to go about it. If you prefer talking to people directly, you might consider making phone calls to each of the home insurance brokers in the area. This will give you a chance to get an idea of their personality, and see if a professional relationship would work for the two of you. It also lets you ask all the contents insurance questions you need at one time, without having to set up another appointment. However, if you prefer to contact more people at once, and have them contact you electronically, you can complete this contents insurance process online.
By submitting just one form online, you can ask the local and nationwide home insurance agents who offer contents coverage in your home city to contact you with estimates. Once they receive your request that only took five minutes to fill out, they will be able to offer you quotes based on the personal information you submitted. As you begin to hear back from them, usually within the hour, you will have contents insurance company names to begin looking up on the Internet. Checking reputations is as important as checking rates.
Checking Services and Reputation Records
Several sources online will allow you to check the customer service histories of various companies. With only a name and location, you can see if there have been any complaints filed against them, and if so, what they were regarding. Depending on the severity of the complaint, you can either decide to give them a chance or find someone else to work with. Other sites offer third-party consumer reviews as well, besides the Better Business Bureau, where personal testimonials are given without being paid for or requested. People tend to trust these a little more than an advertisement that was paid for by a company's marketing department.
You can save money on the purchase of home and contents insurance as well, no matter what kind of home you live in. An apartment, a condo, a townhouse, or even a loft enjoys their own category of home and contents insurance because there are varying degrees of risk involved with all of them. If you talk to your agent or broker about discounts, they will be able to lead you through that as well. Certain groups like senior citizen or full-time student usually receive a ten percent discount on all of their purchases. However, you can also receive a reduced rate by being married, owning more than one insured residence or agreeing to accept and pay your bill online each month. Talk to your broker about how to save money and get the most out of your home and contents insurance coverage.