Home Contents guarnatee - Are Your Household Items legitimately Worth It

DINING ROOM CHAIR COVERS - Home Contents guarnatee - Are Your Household Items legitimately Worth It

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Home contents assurance is an assurance procedure that covers your personal belongings and the contents of your home against loss, damage or theft. A home contents assurance procedure protects your items that are inside the home you live in while they are there, and it doesn't matter either you are the homeowner or rent the property from a landlord.

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DINING ROOM CHAIR COVERS

A home contents assurance procedure is sometimes known as a personal property assurance policy. If you are a renter, it can also be called a renters policy, although a renters procedure will regularly cover damage or loss you cause to your landlord's property as well as damage caused to your personal property in the event of a disaster or theft, etc.

Most of us tend to undervalue the items we own in our homes. Maybe it's because we well don't want to think about how much we've spent on ourselves when we took shopping trips, but anything the reason, most citizen will not have an strict estimate, when asked, of how much it would cost to buy all the items in their home if they had to buy all over again.

But that's exactly what you would need to do if your home were destroyed by fire tonight. You would have to go out tomorrow and begin to replace all you own.

A home contents assurance procedure will ask you for the current value of your personal belongings, but it will not ask you to itemize all when you apply for the policy. Only when you suffer a loss will the assurance agent ask you to prove what you owned. So how much do you think your personal items are worth? Take a guess and then go through this list to jog your reasoning about what you well own and how much money it would take to replace it all. I'll bet you'll be surprised at the total value of all in your house.

oWall to wall carpeting, area rugs
oWindow treatments, blinds and curtains, drapes
oArtwork, either on the walls or collectible pieces on shelves, heirlooms
oFurniture in every room throughout the house, sofas and loveseats, chairs, dining room table and chairs, desks, coffee tables and side tables, beds, dressers, bookshelves
oOutdoor and patio furniture, tables and chairs, lawnchairs, barbecue or gas grill
oLight fixtures such as chandeliers or any special lighting you've added to the home since you bought it
oDon't forget to count any items of value that you may have in your attic or in a storage shed close to the house which could be damaged or destroyed
oSporting equipment, bicycles, golf clubs, bowling equipment, scuba gear
oElectronic equipment, desktop computers & monitors, printers, faxes, scanners, laptop computers, modems, wireless routers, cordless phones, cell phones, Ipods, Pda's
oAppliances, Tv's, Dvd's or Vcr's, stereos or Cd Players, refrigerator, freezer, stove and oven, dishwasher, microwave, trash compactor, wet/dry vacuum
oJewelry, if you have appraisals for any special pieces, keep it in a safe deposit box
oLawn tools, hoses, leaf blower, weedeater, riding lawn mower, wheelbarrow, shovels and rakes

After going through this list, you will gain a good appreciation for the significance of a home contents assurance procedure that provides enough safety for you and your family.

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