What Is Home Contents Insurance?
When many of us think about buying home insurance, we thing about a homeowners policy. But that sort of policy also covers the building and property. If we just rent, or only need to cover our own personal property, what we really need is home contents insurance.
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Renter’s Insurance
This coverage sometimes come with a different sort of home policy, usually called renters insurance. Renters should not need to protect the building or land, but do need to protect their own possessions against loss or damage. Examples of things protected under a contents insurance policy could be a laptop, jewelry, or a DVD collection.
In some cases the protection will extend to these items when they are taken out of the home. For instance, if you wear your wedding ring out, and it is lost or stolen, your contents insurance may still cover it. It is important to check with the details of your specific policy.
Condo Owners Insurance
Sometimes, condo owners also look at contents insurance. They may have a building or condo association insurance policy which covers the outside structure. So their insurance may be more [...]
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