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Does My Birmingham Home Insurance Policy Cover My Possessions?

Residents of Birmingham, AL buying homeowners insurance should know that most policies cover their possessions up to a point, so it's important to read about the limits of this coverage. The cheapest Birmingham home insurance rates are usually for policies that will pay you a certain amount of cash for the contents of your home.

Determine the Value of Your Possessions by Doing a Home Inventory

To make sure this cash benefit is adequate to cover your possessions, do a home inventory before you buy your Birmingham, AL home insurance. Make a detailed list of everything of value in your Birmingham home and how much it would cost to replace these things in the event that they were destroyed by fire or stolen. If you need more coverage there are ways of getting higher limits or riders to your policy.

Think About Cash Value Vs. Replacement Cost

Before you talk to Birmingham homeowners insurance companies, you might want to decide if the contents of your Birmingham, AL home are more valuable to you than their actual worth in cash, that is, if you would rather insure them for replacement, which guarantees that you can buy the item new if you lose it to theft or disaster. Most people's possessions depreciate a lot with age, so if you need a new appliance or electronic device, replacement cost makes a lot more sense, and it's typically only about 10 percent more expensive. Unfortunately flood insurance only covers you on a cash value basis.

How To Insure More Expensive Possessions

If you have any kind of rare collection in your Birmingham, AL home, or anything of extraordinary value such as expensive jewelry, gold, or antiques, typical Birmingham house insurance won't provide enough coverage for it, so you'll need to ask your home insurance brokers about property floaters, riders, or endorsements, which are means of getting the extra home insurance coverage you may need. To assess the additional home insurance cost for such things, have the items or collection appraised and submit a receipt to your Birmingham home insurance agent before you get your home owner insurance quote.

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