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Can Your Homeowners Insurance in Long Beach, CA Replace Your Contents?

homeowners insurance in long beach ca

Evaluate your worst-case scenario to determine how much homeowners insurance in Long Beach, CA is best for you!

As morbid as it sounds, if your home were to get burgled overnight or was engulfed in flames today, you should know how much it would cost to replace everything in your home. As most people would struggle to replace all of their possessions, Content Insurance within a homeowners insurance policy is extremely valuable.

Contents & Coverage

Your mortgage provider won’t insist that you have contents insurance and it’s not always compulsory if you rent your home. Despite this, it’s a good idea in case the unexpected happens, especially if you wouldn’t want to be without your things!

Contents are all the items you use to furnish your home, such as: carpets, furniture, décor, clothing, as well as all your personal belongings. If you own expensive individual items such as works of art, expensive sporting equipment, or valuable jewelry, you may need to purchase a floater or additional insurance. Many homeowners are left heartbroken when they find out their home was damaged and that their beloved, first-edition painting exceeded their policy limits.

Determining the Value

In order to determine the value of all of your contents, perform a home inventory! Take stock of all of your belongings, recording the make and model, and the value of each item. To know the total value of your possessions means that you can match a homeowners insurance policy to suitable content coverage!

Say you have $25,000 worth of belongings in your home, but your homeowners insurance policy only covers $10,000. You will be missing out on $15,000 worth of item coverage. In short, fewer than half of your belongings could be replaced in the event of an accident.

Skip the search and contact Saferoad Insurance for reliable homeowners insurance in Long Beach, CA! Serving all areas of California, our insurance professionals understand the importance of financial and physical protection.