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Home Content Insurance Minot ND

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.

Weber Insurance Agency- Inc.
(701) 347-5954
606 1st Street North
CASSELTON, ND
Services
Homeowners Insurance

Farmers Insurance Group
(701) 235-6409
1815 S University Dr
FARGO, ND
Services
Homeowners Insurance

Cooperative Insurance Agency LLC
(701) 770-0083
1300 Bison Drive
WILLISTON, ND
Services
Homeowners Insurance

James River Insurance Agency
(701) 252-1322
824 1st Avenue South
JAMESTOWN, ND
Services
Homeowners Insurance

Farmers Union Insurance Agency - Agents-Daryl Halvorson & Daryl Kudrna
(701) 483-9090
620 West Villard Street
DICKINSON, ND
Services
Homeowners Insurance

Virgil Voegele & Assoc
(701) 873-2541
215 Highway 49 N
BEULAH, ND
Services
Homeowners Insurance

McClintock Agency
(701) 776-2242
415 3rd Avenue Southwest
RUGBY, ND
Services
Homeowners Insurance

Bob Roesler Agency
(701) 271-6902
15 Broadway
FARGO, ND
Services
Homeowners Insurance

Fargo-Moorhead Insurance-Fmi Inc
(218) 236-8227
215 8th Street South
FARGO, ND
Services
Homeowners Insurance

Kramer Agency
(701) 257-7284
123 East Broadway Avenue
BISMARCK, ND
Services
Homeowners Insurance

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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