Get Buildings and Contents Insurance, Make Sure You Do Not Lose Everything You Own

Make Sure You Do Not Lose Everything You Own - Get Buildings and Contents Insurance, Do you have insurance to cover your home, whether it is homeowners or renters? Do you have renters insurance? Do you have business insurance? Have you read your insurance policy lately? Are you certain that you are covered for everything, not only the building (if you own it) but also the contents insurance? We have seen a series of tragedies as of late including: floods, tornadoes, hurricanes, oil spills, volcanoes, plane crashes into homes, etc. You name it, it can happen. Things can happen that is even beyond our wildest imagination. You could lose everything! Some things are not replaceable, like family photos, family heirlooms, antiques, business documents, etc. Some things are replaceable as long as you are properly insured.(Get Buildings and Contents Insurance)

Get Buildings and Contents Insurance
Get Buildings and Contents Insurance
The huge question remains. Are you properly insured with buildings and contents insurance? Pull out your insurance policy and read it. There are probably many people who cannot find their policy. If this is so, immediately if not faster, contact your insurance agent and request another copy. Check the policy for some of the following questions:
  1. What is the percentage of recovery of my personal or company property? Am I fully covered? What items are covered?
  2. Does the monetary amount of recovery even begin to cover the actual value of items covered?
  3. Are specific items covered within the home like antiques, jewelry, heirlooms? Do you need to get a special rider on your policy?
  4. Are items in your business covered specifically like computers and other electronic equipment. Do these items need to be itemized with copies of purchase orders?
  5. Are your large manufacturing machinery depreciated over the years or will you get full replacement value.
  6. Will you get full replacement value for the building, or will it be based on a depreciation percentage rate?
  7. Are you covered by "acts of God"? Many insurance policies do not automatically carry flood insurance or fire insurance. Those must be purchased separately - especially if you live in areas prone to those types of problems.
see other about insurance

Please do not let yourself be caught off guard. Make sure that you are not under-insured. Paying a few extra bucks each month in insurance can keep you from total devastation if something should happen for which you are not insured. Make sure that you, your family, and your buildings and contents insurance are at a coverage level where you can survive and rebuild your life should you need to use it. And may you never need to use it.

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