Cheap Renters Insurance Tennessee
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Renters Insurance
A standard policy will probably insure your possessions at actual cash value, which is the value of an item at the time of a loss. To make sure you can fully replace lost or stolen items, you may want to add an endorsement for replacement cost coverage, which will replace the item with one of similar make and model, regardless of the stolen or damaged item’s actual cash value. In many of our companies homeowners policies, replacement coverage is included at no extra cost. Check with us, about your policy, to be sure.
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Finally, we suggest that you take the time to inventory your possessions.
- In the wake of a catastrophe such as a fire, it can be very difficult to create a list of all the things you owned.
- Now is the time to walk through your house and make an inventory of your possessions.
- One easy way to do this is to videotape the contents of your home.
- When you’re done, place a copy of the tape in a safe deposit box. Or make a copy of your tape or inventoried documents, and store them at a family member’s home. Then, if the worst ever does happen, you’ll have a record that can help us to help you in the replacement of your possessions.
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- In addition, many policies have sub-limits on specific categories of valuables. If the value of those items exceeds the policy sub-limit, extra coverage is probably in order.
