Insuring contents is the last thing on most people's minds when they rent their first home or apartment. Many renters assume that the insurance covering the building will automatically cover their personal items as well. It often takes a tragedy, like a fire or a break in, for most renters to discover the truth.
Getting content insurance is important for renters, and it is usually not that expensive. A quick search on the internet or through the phone book will uncover hundreds of insurance companies eager to take your premium. If you have other insurance, car or life, then it could benefit you to go through that same company for your content insurance. Most companies offer a multi-policy discount when you purchase more than one type of insurance through them.
Documenting the contents is just as important as buying the content insurance. A new business is emerging for just this type of situation. You can find companies that will video tape all your content and store the information in a separate location in case there is a devastating event at your home. You can also find books and folders that allow you to record what you have in each room, along with dates of purchase, purchase prices, and product numbers.
What ever direction you take to record your contents it is also important to update your records on a regular basis. The best way to do it is to add anything you bring into your home as you bring it in. If that is too burdensome, then you might consider a regular walk through (monthly, twice a year, or at least yearly) to see what is new and what is no longer within your personal belongings.
Finding the right policy for contents insurance is not that difficult. Use the company you already have, ask friends and family, or shop online. Don't wait to insure, or it could be too late.
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