Walters Title

September 2, 2014
Does Your Homeowners Policy Include Contents Insurance?


Your homeowners insurance policy comes with contents coverage based on the overall value of your personal property and up to approximately 50 to 70 percent of the amount of coverage on your home’s structure. For example, if you have coverage on a $200,000 house, your policy may include approximately $100,000 in personal property coverage.

However, if you have lived in the house for a few years and are a collector or have acquired valuables (such as diamond jewelry or a work of art), your basic homeowners insurance policy may not cover the replacement value of these items if they are destroyed or stolen. In this case, you may need to purchase a rider on your homeowners policy to cover these special items. We can help go over these items and the contents insurance needed to cover them.

Be sure to discuss coverage for all possessions of value, such as your new iPhone, furs, golf clubs and carts, computers, fine art, china, musical instruments or expensive sporting equipment. You may even want special coverage for that elk’s head above the fireplace or other taxidermy.

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