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Sunday, December 13, 2009

The Invisible Protection Plan: Contents Insurance

By Graham McKenzie

You're house really means a lot to you doesn't it? Of course it does, homes are built for comfort and safety. Dorothy was right when she said, "There's no place like home." However, just like she found out in the Wizard of Oz, natural disasters like tornados can destroy your dream house in seconds. Are you protected from the damages?

Contents insurance is a must for any family with a moderately sized home. The insurance guarantees protection for your prized possessions either worth a lot in value, or that symbolizes a lot to you. Such as a grandfather clock that has been passed down for centuries. It protects your house's favorite possessions.

In a matter of minutes your house can go from the place you called home to a pile of mess, destruction and bits of pieces all that remain. Natural disasters like fires, tornadoes, and hurricanes happen quickly and they do not show mercy. Are you protected from these types of storms? Are you protected from floods and theft?

If you want contents insurance it's only a phone call away from getting the process started. Call up your insurance broker and request an appraiser stop by and assess your home and contents. Bonded valuators are trained professionals who will go over every corner of your house, jotting down the value and asking questions to the homeowner.

Allow the appraiser to roam your house freely and take his or her time. Remember, the better job they do appraising, the more accurate your possessions are calculated. Follow them around and answer any questions they have. They are trying to work with you, not against you.

The insurance company will work closely with the appraiser and discuss the contents of your home. The insurance company may provide additional information on how you can better protect your home. Sometimes these are more than suggestions, stipulations that must be met before you gain full coverage.

Common suggestions made by insurance companies are installing security alarms and building safe's for extremely expensive items such as jewelry. While these installations are pricey, the long-term protection is more than worth the cost of the alarm system or safe.

You may not need a safe or security system, but you do need the invisible security of contents insurance. It's a cheap way to ensure all your possessions are cared for in case of an emergency. Protect you and your family's future. - 23211

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