Home Content Insurance Quote – Take Inventory and Consider Floaters

If you’re looking for an insurance quote to cover the contents of your home, the process will be simple or detailed, depending on how long you’ve lived in your home and what you’re insuring.

If you’ve just moved into a new home and don’t have very many possessions, it’s not going to be a long process for you to take inventory. You may even want to take pictures, videos, and make lists of your items as you’re unpacking. However, if you’re still living in the same home you lived in 15 years ago, you’re going to need to spend a bit more time preparing to get an insurance quote for the contents of your home.

Before you even contact a home owner insurance company or agency, be aware of all of your possessions. Your possessions will usually fall into one of two categories – the every day living possessions, and the extremely valuable possessions.

Taking inventory of every day living possessions isn’t too difficult. Document them with pictures, and/or take videos of each of the rooms in your house, making sure to cover everything inside each room. You may even want to take note of each piece of major furniture in each room. For example, “The bedroom includes a canopy bed, one dresser, one nightstand, and one chest of drawers, all made of mahogany.” Digging up receipts to these items is also helpful. But, above all else, make sure to have pictures and videos.

Taking inventory of your extremely valuable possessions can be a bit trickier. Of course you’re going to have to dig them all out of hiding places, and you’ll want pictures, videos, and receipts, too. The tricky part is that sometimes you must purchase a floater policy in order to adequately cover the cost of any lost, stolen, or damaged items because typical home owner insurance policies have liability limits when it comes to the extremely valuable possessions.