Contents Insurance

Protect your personal belongings with comprehensive contents insurance coverage. Safeguard what matters most with a reliable insurance policy that covers your furniture, electronics, clothing, appliances, and more. Whether it's fire, theft, or water damage, ensure your possessions are adequately protected.

UPDATED: May 24, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: May 24, 2023Fact Checked

Free Home Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Chris Tepedino

Insurance Feature Writer

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Insurance Feature Writer

Laura Walker

Former Licensed Agent

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Former Licensed Agent

UPDATED: May 24, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: May 24, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: May 24, 2023Fact Checked

Welcome to our comprehensive guide on contents insurance. In this article, we will delve into the importance of contents insurance, its coverage options, and key factors to consider when selecting a policy. We will explore the types of personal belongings that can be protected, including furniture, electronics, clothing, and more. Whether you own a home or rent a property, contents insurance offers crucial protection against risks such as fire, theft, and water damage.

To ensure you find the best coverage at the most competitive rates, we encourage you to enter your zip code and compare quotes from top insurance providers. Don’t leave your valuable possessions vulnerable—act now and safeguard your belongings with the right contents insurance policy.

What is Covered

Your home’s contents include everything that belongs to you, inside the home, on the insured property, and some items are even insured if you take them away from the dwelling. It includes your
furniture, paintings on the walls, rugs on the floors, fans hanging from the ceiling, and everything in between. Your clothing, appliances, and jewelry are all included in the contents of your
home, but so are your lawn tools, an outdoor playset, and any exercise equipment or tools you keep elsewhere on the property.

Personal Property Limits

One thing that most people need to be careful is of is that all of your home contents are properly insured. Most standard policies only cover your property up to a few thousand dollars, while the
average family has many thousands of dollars in personal property. Check the limits of your contents insurance and increase them as needed to fully protect your property.

What is Not Covered

Even covered items may be excluded from certain claims. For example, willful damage by you or an immediate family member is covered by contents insurance. Likewise, some items are excluded because
they contribute a high degree of risk, such as laptop computers, iPads, and other high-value electronics. Check your policy to determine what items are excluded, and pick up a rider to fill the
gaps.

Insured Perils

The number of covered perils will differ by insurer, but include some perils across all policies. Fire, wind damage and water damage are typically included, along with earthquake damage, vandalism,
and lightning damage. There will always be some perils which are not covered on any policy, and some risks, such as the risk of flooding, is not automatically included in any type of home
insurance. This does not mean you do not need flood insurance, it simply means that the risks of providing flood insurance are so high that the policy must be made separately.

Making a Home Inventory

A home inventory is the best way to keep track of what property is insured. Insurance companies prefer a video home inventory; usually made using a hand-held video recorder, because it provides
them with proof that you had the items, along with a visual reference for the condition of the item. To make a home inventory, move from room to room in the home, recording each and every piece of
property you have. When possible, include a video copy of the receipts to provide proof of the value of the items.

Personal Property Away From Home

Most of your personal property coverage extends to times when the property is away from home, such as during transport or while you are out of town. For example, if you were transporting your TV
from your house to friends and it got stolen out of your car, your contents insurance would cover the theft. The same would be true of exercise equipment, tools, or recreational items taken to the
beach on a summer day.

Discounts to Reduce Premiums

You can save money on your contents insurance premiums by looking for discounts. Common discounts include those given to people who are married or who live in an area with a lower than average
crime rate. Other discounts are given based on reducing risks for the insurance company, and include deadbolt locks on the doors, bars on the doors and windows, and alarm systems. The best
discounts are given to homes with security systems that are monitored around the clock from a remote location.

Frequently Asked Questions

What is contents insurance?

Contents insurance is a type of insurance that provides coverage for the personal belongings in your home or rental property. This can include things like furniture, electronics, clothing, appliances, and other personal items.

What does contents insurance cover?

Contents insurance typically covers the cost of repairing or replacing personal belongings that are damaged or stolen due to covered events, such as fire, theft, or water damage. The coverage limits and specific events covered will vary depending on the insurance policy and provider.

Do I need contents insurance?

While contents insurance is not legally required, it can provide valuable protection for your personal belongings. If you own a lot of valuable items or live in an area with a higher risk of theft or damage, contents insurance may be especially important for you.

How much contents insurance do I need?

The amount of contents insurance you need will depend on the value of your personal belongings. It’s important to carefully inventory your belongings and estimate their value to determine how much coverage you need. Many insurance providers offer online tools or worksheets to help you estimate the value of your possessions.

How much does contents insurance cost?

The cost of contents insurance will vary depending on factors such as the value of your personal belongings, the level of coverage you select, your location, and your insurance provider. It’s important to shop around and compare quotes from multiple providers to find the best coverage at a price that fits your budget.

What is not covered by contents insurance?

Contents insurance typically does not cover damage or loss caused by events that are not specifically listed in the policy, such as earthquakes or floods. Additionally, certain high-value items like jewelry or artwork may require additional coverage or separate policies to be fully protected.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

Chris Tepedino

Insurance Feature Writer

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Insurance Feature Writer

Laura Walker

Former Licensed Agent

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Former Licensed Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption