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
HOUSE CONTENTS INSURANCE
House contents insurance is a tool for every homeowner and renter to protect themselves with. This is the type of insurance where you make an inventory list of everything in your home, such as electronics and other valuables, and then submit this to the house contents insurance providers for an estimate on coverage. The value of the coverage can range anywhere from insuring the bare essentials or the full replacement cost of everything lost or damaged in the home during an unexpected event.
Life is full of these events, and it's important to protect your family and your house contents that you've worked so hard before, in order to reduce stress in case something does happen. If you have a policy in place, then at least you know you will be compensated for these items, and don't have to pay that cost out of your own pocket all at once. It doesn't matter what type of residence you live in, as there are specific policies for an apartment, or condo, or townhouse, and even a loft. Because there are so many different situations with varying aspects in terms of risk, the house contents insurance companies have learned to customize quotes for each of their clients.
How to Save Insurance Money
Certain discounts are built-in, such as with the student and senior citizen lowered rates. While these are automatic, others are not, and you will need to inform your prospective agent to all of your information in order to get the best deal. Once you make sure all their questions are answered, they will be in a better position to look at all of your data and get you the best price on house contents insurance. For instance, if you own your home, or agree to a paperless bill, you can receive even more discounts than you would normally be eligible for.
If you search online for estimates, you can also get a big savings on your estimate amount. How you accomplish this is to use an auction-type site where you only submit your information one time, and yet receive estimates back from several agents and brokers who offer coverage in your area. This can be the case for your main residence or your vacation residence, depending on where each is located. In fact, by adding more than one residence to your quote, you will actually lower your monthly rate and save money on your house contents insurance bill.
Choosing an Insurance Company
When you begin looking over these estimates, you will notice that some of these are local, and some are not, but they work on a nationwide basis. They probably have offices in most major cities, but they may not have an office in the small town where you reside. The sheer volume of business they work in allows them to offer house contents rates unavailable to smaller companies, and they can serve you no matter what part of the country you live in. The smaller, local companies aren't able to be reached in any city, but they can give your house contents insurance quote and claims more attention. Their focus and expertise may find a lower rate that would be overlooked by a larger company, who works with several policies at once.
It's up to you to match your financial limits with house contents estimates you receive, and see how their services match up. Sometimes it's worth paying slightly more than you planned, if you can almost double your coverage. It's important to not overpay for your house contents insurance because this doesn't benefit anyone involved. It takes money out of your pocket unnecessarily and gets the business a reputation for overcharging.
Make sure when you talk to your house contents insurance agent that you inform them of your financial situation, and that you let them know exactly what kind of coverage you are thinking of. They will guide you with their years of experience into a coverage rate that will be good for you both short-term and long-term. In fact, if you really want them to do the best job searching for this quote, look for a broker that works with many different house and contents insurance companies. This means they aren't contractually obligated to work with just one, but rather make a commission no matter who they help you choose.
Finding a person like this can really help both you and them find the great insurance deals that are out there, without feeling any pressure to push you towards a certain house contents company. House contents insurance is an important tool and it can work in your favor when you are least expecting something to happen. Take the time to protect the contents of your house with insurance now, and then when you need it; it will already be in place.