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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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Your insurance contents cover should serve to protect you, as a renter, from damage to your personal property under certain conditions. Insurance contents cover isn't difficult to obtain and once you have it, you'll wonder why you failed to get the coverage before now. Protecting your contents from loss or damage due to theft, or threat of flood or fire, makes quite a bit of sense. Once you compare quotes from the different agencies for contents cover, you'll see it's extremely affordable.

Shop for insurance contents cover by gathering quotes from several agencies. Every company offering insurance content cover will have slight variances in both their prices and their policy. By sopping around you can find the correct building or content protection for your needs at the best price to fit your budget. Compare those quotes to find out how affordable your insurance contents cover can be.

Choosing the Right Policy Coverage

Insuring the contents of your home is vital. Insurance contents cover is necessary for you to be compensated in the event of loss of personal property. If you were to own your own home and had a homeowners policy, then you would automatically have contents coverage as a portion of that policy, providing cover for both your structure and it's contents. As a renter, or tenant, you don't have the same protection unless you purchase it yourself.

Your landlord has a policy protecting his or her property in the form of building insurance. His or her property is covered in the event of loss or damage. Don't make the mistake of assuming that the same policy which protects his investment will also protect your possessions. It will not.

Working with a Renters Insurance Agent

When your insurance contents cover agent puts your policy together, he or she will ask you for the value of your home's contents. The task of determining value is up to you and will determine, more than anything, what you will pay for your policy. As you ascertain your assets, it's best to take as detailed an inventory as possible. List out your property and calculate both the amount you paid for it and the amount it would cost you to replace it. Use an average of both amounts for most items on your inventory.

For items of a higher value, you will most likely need to insure them on a separate policy. If you have rare antiques or collectibles, jewelry, or very expensive tools of your trade (musical instruments, actual tools, or expensive electronic equipment) you will absolutely need to insure these items separately. High-end personal property generally isn't protected under your insurance content cover. You'll need to determine appraised value and insure for that amount. Talk to your agent if you believe you'll need this type of policy.

Once your agent writes your policy, schedule a time when you'll be able to review it together. That way, before you agree to, or sign, anything, you'll have a full understanding of what is covered under the policy and what is not. Use this review time to make any changes to your policy that you feel are necessary. You certainly don't want to wait until you file a claim to find out you weren't actually protected for that event. Some forms of flooding and certain weather situations are not covered under your insurance content cover.

When shopping for insurance content cover, keep in mind the old adage that when something seems too good to be true, it probably is. If you obtain a quote far below the average, don't be so quick to jump on it. The protection may appear adequate, however, in order to offer such low premiums, there must be a catch. Corners may be cut in other ways, or this may be a short term discount in order to get your business.

Of course price is always a concern, but don't let your search for the cheapest rates cloud your judgment. Look into the insurer's reputation for concerns such as customer service from the point you obtain your policy to the settling of claims. Review your policy and your insurance contents cover company as well. Bear in mind, the way you are treated through customer service generally sets the tone for the company's respect for the customer. Choose an insurance contents cover company just as much by how they treat you as how much your premiums will be.

Selecting a Plan

Once you decide to secure insurance contents cover, you'll be pleased with your decision. Not only will you have the peace of mind that comes from knowing you're hard won personal property is protected and your investment is intact, but you'll have the pride of knowing you've made a responsible decision. Living your life confident that you've done all you could to secure your possessions is a great feeling.