|To find cheap content insurance select Home, Renters, or Condominium in the above form and then click on “Get Quotes.”|
Insurance is a tricky subject. Let’s take your home, for example. Whether it’s a mobile home, a condominium, townhome, or a house, you can insure just the home. If it burns down or is wind damaged or what have you, you will receive however much money you had insured it for.
But if the contents of the home burns as well, and you didn’t have the contents insured – you’re out the money it will cost you to replace all those contents. The terminology differs – it’s either “contents insurance” or “personal property” insurance. Whatever you call it, you need it.
So, how do you go about acquiring cheap contents insurance?
The first thing you need to do is go through your possessions and figure out… not how much they’re worth, but how much it would cost to replace them. You always need to factor in a 10% inflation rate when estimating the value of the contents of your home. Take photographs of all of your possessions, in particular any collections you might have – stamps, books, and so on – and of any jewelry. Keep these photos and inventory in a safety deposit box – either in a bank or a fire-proof safe in your home.
Cheap contents insurance can be found in a variety of ways. Once you’ve determined the value of your personal property, go to FrickaSeed.com, which specializes in providing multiple quotes from competing insurance companies. Here can fill out some details, then hit send, and within minutes you’ll receive simultaneous quotes from a variety of insurance companies.
Don’t just choose the one with the cheapest quote and run with it. Investigate each quote, and see if there are any obvious reasons why the costs are different. It may be that the least expensive quote is not the best quote.