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Home Content Insurance Evergreen CO

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.

Shirley Chapman Insurance
(303) 697-6652
7652 S Sourdough Dr
Morrison, CO
 
Advantage Insurance And Financial Services Inc.
(303) 973-5161
10288 West Chatfield Avenue 300
Denver, CO
 
Allstate Insurance Laura Inzano
(303) 973-4433
6901 S Pierce St #350
Littleton, CO
 
Allstate Insurance Joe Anderson
(303) 986-3141
12354 Alameda Parkway 140h
Lakewood, CO
 
Brown And Brown
(303) 980-6265
7110 W Jefferson Ave
Denver, CO
 
Allstate Insurance Patricia Mccaskey
(303) 971-0555
10789 Bradford Rd Ste. 240
Littleton, CO
 
Allstate Insurancea Aaron Hoeltgen Agency Inc
(303) 933-0023
10184 W Belleview Ave
Littleton, CO
 
Financial Dimensions Ltd
(303) 985-4093
1050 S Union Blvd
Lakewood, CO
 
Allstate Insurance James M Racine
(303) 988-0091
2600 S Lewis Wy 113
Lakewood, CO
 
Allstate Insurancethe Bidwell Agency Inc.
(303) 922-4012
7550 W Yale Ave Ste A230
Lakewood, CO
 

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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