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Home Content Insurance Ames IA

When you do a home inventory please take note of any extremely valuable jewellery or other goods. You will often need a special "floater" or "endorsement" for jewellery, antiques, collectibles and such. Otherwise, your policy will likely limit the amount that you will be reimbursed if these items are stolen or damaged.

Severson Insurance Agency Inc
(515) 232-7203
205 Clark Avenue
Ames, IA
 
Larry Gregory Insurance
(319) 277-4162
3903 Heritage Road
Cedar Falls, IA
 
Mason City All Risk Insurance
(641) 423-8785
1415 South Monroe Avenue Suite C
Mason City, IA
 
Brookslussem Insurance Inc
(515) 243-4289
10546 Justin Drive
Urbandale, IA
 
Nelson Brothers/schroder
(515) 274-4785
3621 Douglas Ave
Des Moines, IA
 
Allstate Insurancemarci Baldwin
(515) 232-0771
516 Lincoln Way #b
Ames, IA
 
Wilson Agency
(319) 394-3904
621 Main Street
Mediapolis, IA
 
Hills Insurance Agency
(319) 679-2139
131 Main Street
Hills, IA
 
Wobbekingtjernagel Insurance Inc
(319) 235-6719
2920 Falls Avenue
Waterloo, IA
 
Thousand Insurance Service Inc
(712) 255-1021
1303 Pierce Street
Sioux City, IA
 

Home Content Insurance

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Home Content Insurance

Your best bet if you really want to know how much home content insurance to buy is to 'inventory' each room. This can be a lot of work if you do it in detail - but you will be incredibly surprised! Also, it's invaluable to have that inventory for later, if you ever have to put in a claim.

But back to buying: How do you know how much home content insurance to buy? Here's a quick way to estimate: If you have a family of 4, a 'middle class' income, with two adults and two kids of school age, you should be assuming at least $200,000 for your personal belongings. That's an average of $50,000 per person.

Here's a personal war story: In 1978, our home burned to the ground. We lost everything. The author was 17. So, while I had some disposable income I was by no means well-to-do and neither were my parents. We were regular, middle class folk. When my Mother and I finished the inventory of my room (based on memory - which, post trauma is not accurate), the contents added up to $30,000. That was in 1978. So, $50,000 per person today is potentially a low estimate, depending on your family income. Consider it a minimum.

When you do a home inventory please take note of any extremely valuable jewellery or other goods. You will often need a special "floater" or "endorsement" for jewellery, antiques, collectibles and such. Otherwise, your policy will likely limit the amount that you will be reimbursed if these items are stolen or damaged.

Not willing to write it all down? Okay, do a rough estimate for purposes of buying home insurance and then walk through the house and videotape each room in detail. This is not for cinematic value, but so that you know what's in your house - so film everything! Inside closets - the works. Just be sure that the tape is stored securely - and preferably away from your home! A safety deposit box at a bank is best if you can afford it. But even at a friend's or relative's house in a water proof / fire proof co...

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