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Home Content Insurance Grants Pass OR

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.

Allstate Insurance - Tom Kerns / Damian Gobel
(503) 255-3490
1439 Southeast 122nd Avenue
PORTLAND, OR
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American Family Insurance - Kristl Oliver
(503) 292-1505
8110 Sw Beav-hills Hwy
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HRH Of Oregon- Inc.
(503) 972-1977
5100 SW Macadam Avenue Suite 120
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Madeira Cooper Insurance
(503) 655-5141
1017 Molalla Ave
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American Family Insurance - Rocky Ragalie
(503) 582-9991
8695 Sw Jack Burns Blvd Ste E
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American Family Insurance - Jason Elstad
(503) 603-4081
12909 Sw 68th Pkwy Ste 250
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Dalles Insurance
(541) 298-5591
427 East 7th Street
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American Family Insurance - Kazem Abunnadi
(503) 520-0794
11855 Sw Ridgecrest Dr Ste 215
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Leprechaun Insurance
(541) 567-7564
2280 W Highland Ave
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American Family Insurance - Brian Harvey Agency- Inc.
(503) 644-1116
475 Nw Saltzman Rd
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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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