• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
CALL US TODAY
(916) 488-4426
Home

  • Home
  • Get a Quote
    • Quote Forms
    • Auto Insurance
    • Boat Insurance
    • Business & Commercial Insurance
    • Cyber Liability Insurance
    • Earthquake Insurance
    • Flood Insurance
    • Home Insurance
    • Motorcycle Insurance
    • Pet Insurance
    • Renter's Insurance
  • Customer Service
    • Add Driver to Existing Auto Policy
    • Add Vehicle to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
    • Remove Vehicle from Existing Auto Policy
    • Request General Liability Certificate of Insurance
    • Add Motorcycle to Existing Policy
    • Remove Motorcycle from Existing Policy
    • Policy Review Request
    • Add Watercraft to Existing Policy
    • Remove Watercraft from Existing Policy
  • File A Claim
  • Blog
  • Make A Payment
  • Resources
    • Calculators: Auto, Home, Budget
    • Free Reports
    • Frequently Asked Questions
    • Important Links
    • Insurance Glossary
    • Refer a Friend
  • Our Company
    • About Us
    • Who We Represent
    • Why Choose Us
    • ABC10 Insurance Coach
    • Partners Page
    • Privacy Policy
    • Testimonials
  • Contact
    • Contact Us
    • Employee Directory
    • Location Map & Directions
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

Read More
Flood Insurance FLOOD

Typical homeowners policies exclude flood damage. Get coverage now.

Read More
Earthquake Insurance EARTHQUAKE

Earthquake claims are best covered with a standalone policy.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life & Health Insurance LIFE & HEALTH

Learn about different health coverage options that fit your needs.

Read More

Home > Blog > 5 Tips For Getting The Right Contents Insurance
SATURDAY, JUNE 11, 2011

5 Tips For Getting The Right Contents Insurance

Angie Mohr, provided by

Copyright Investopedia. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Insuring the contents of your apartment or house is an important step in protecting your assets. If you own your home, contents insurance will be part of your overall house insurance. If you rent, it's still important to get contents insurance as your landlord's building policy will not cover your belongings. (For more on insurance 5 Insurance Policies Everyone Should Have.)

TUTORIAL: Intro To Insurance

Choosing the right policy and the right insurance company involves many factors, including what you have to insure, where you live and what insurance company options you have. If you choose the right policy, your assets will be completely protected from loss and you will be compensated quickly in the event of calamity. Here are five steps to getting the right policy.

1. Perform a proper valuation of your contents.
When writing your policy, your insurance agent will ask you to estimate the value of your belongings. If you combine contents insurance with a house policy, the contents portion is often valued at a percentage of the house value. Anything but a detailed valuation of your assets may leave you underinsured or paying premiums that are too high. That doesn't mean that you have to take every drinking glass and side table to an appraiser. You should, however, list out your assets and give them a reasonable value - both what you think they are worth now and what it would cost to replace them.

2. Understand the limitations of your coverage.
Regardless of the contents policy you settle on, it will not cover every loss situation or every asset. To be a smart insurance consumer, read the details of the policy before signing on the bottom line; don't just rely on what the agent tells you. All that matters is what is in the contract. You don't want to find out when you make a claim that you are not covered for your situation. Common exclusions include floods and named storms, contents not belonging to the dwelling owner, antiques and collectibles, and damage caused by lack of proper maintenance. Some companies will insure some of these specific risks so, if they are important to you, you may need to obtain separate coverage. (To ensure you are properly covered, read For Top-Notch Insurance Coverage, Compare Quotes.)

3. Stay away from discount insurers.
There's nothing more joyful than hearing a television commercial saying that you can get contents insurance for as little as $10 per month - especially when you have just received a quote for $60. These low-cost policies are often advertised by insurance brokers who represent a number of discount insurers. In order to get these great prices, however, you have to give something up: coverage, customer service or timely claims payments. Your insurance is going to be in place for a long time, so choose a company with a good reputation and a policy that meets your coverage needs.

Read more: http://www.sfgate.com/cgi-bin/article.cgi?f=/g/a/2011/06/08/investopedia51434.DTL#ixzz1P0qfPkzP


Why not have a knowledgable CCIS Agent shop the insurance markets to provide you with a tailor-made insurance plan?  Contact Us for a fast free quote today! Or, just complete our online Homeowners or Renters Quote form.                                                                                                                                                                                                                                    (800) 807-6871
Posted 6:31 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2024
  • 2023
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2013
  • 2012
  • 2011
  • 2010

  • auto(25)
  • home(22)
  • family(8)
  • auto insurance(6)
  • holiday(5)
  • life(4)
  • cliff cottam insurance services(4)
  • business(3)
  • christmas(3)
  • home insurance(3)
  • college(3)
  • flood(3)
  • rental(3)
  • spring(2)
  • umbrella insurance(2)
  • disability(2)
  • flood insurance(2)
  • rideshare(2)
  • summer(2)
  • boat insurance(2)
  • dui(1)
  • credit(1)
  • emergency preparedness(1)
  • cars(1)
  • valentines(1)
  • food trucks(1)
  • phone(1)
  • employee benefits assistance(1)
  • cat insurance(1)
  • sacramento ballet(1)
  • emergency communications(1)
  • toys for tots(1)
  • cleaning(1)
  • retirement(1)
  • wedding(1)
  • jewelry(1)
  • discounts(1)
  • general liability insurance(1)
  • insurance gaps(1)
  • gifting coupons(1)
  • cyber liability insurance(1)
  • car insurance(1)
  • nutcracker(1)
  • shopping(1)
  • collision coverage(1)
  • pool(1)
  • dog insurance(1)
  • lightning(1)
  • event planning(1)
  • holidays(1)

View Mobile Version
Facebook
Twitter
RSS
Pinterest
Google+
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Cliff Cottam Insurance Services (CCIS)

Resources

Home About Us Get a Quote Make A Payment Newsletter Contact Us

Contact Us

  • Mailing Address
  • 3013 Douglas Blvd. Suite 100
  • Roseville, CA 95661
  • 916-488-4426
  • Email us
  • California License #0N07168
© Copyright. All rights reserved.
Powered by Insurance Website Builder