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Home Contents Insurance Hastings MN

This page provides relevant content and local businesses that can help with your search for information on Home Contents Insurance. You will find informative articles about Home Contents Insurance, including "Home contents insurance: necessity or luxury?". Below you will also find local businesses that may provide the products or services you are looking for. Please scroll down to find the local resources in Hastings, MN that can help answer your questions about Home Contents Insurance.

Greg Peters State Farm Insurance
(715) 426-6300
710 N Main St. #101
River Falls, WI
Burnsville Insurance
(952) 895-9999
14400 W Burnsville Pkwy
Burnsville, MN
• Auto • Home • Life • Renters • Health • Property & Casualty Insurance • Commercial Banking & Financial Services • Insurance Consultants & Counselors

American Family Insurance - Jeffrey R Mayhew
(763) 551-1074
3390 Annapolis Lane North
Plymouth, MN
Alternate Phone Number

River Valley Insurance Group
(952) 808-0071
1275 Ramsey Street, Ste 500
Shakopee, MN
Auto Insurance, Home Insurance, Life Insurance, Car Insurance

Andrew Anthony Insurance Agency
(952) 486-2055
16180 Hastings Ave Ste. 204
Prior Lake , MN
Alternate Phone Number

Minnesota Lawyers Mutual InsuranceCompany
(612) 373-9697
333 South Seventh Street, Suite 2200
Minneapolis, MN
Prices and/or Promotions
States/Provinces Served: Colorado, Connecticut, Delaware, Idaho, Illinois, Indiana, Iowa,Kansas, Maine, Massachusetts, Minnesota, Missouri, Montana, NorthDakota, Ohio, Rhode Island, South Carolina, South Dakota,Tennessee, Utah, Virginia, Wisconsin, Wyoming

Germain Insurance Agency
(612) 822-7983
315 W. 46th St
Minneapolis, MN
Insurance Quotes, Car Insurance, Home Insurance, Auto Insurance, Renters Insurance
Prices and/or Promotions
Call today and inquire about our discounts and get an insurance quote

True Insurance Agency-Exclusive Agent to Allstate
(612) 455-6154
4708 Excelsior Blvd (at Excelsior & Grand)
St Louis Park, MN
Fargo Moorhead Insurance
(218) 236-8227
213 8th St
Moorhead, MN
Patrick Cooke Agency - Farmers Insurance
(218) 879-6500
612 1/2 Cloquet Ave
Cloquet, MN
Alternate Phone Number
Auto Home Life Commercial Classic Vintage Specialty Motorcycle
Prices and/or Promotions
Free Quotes!

Home contents insurance: necessity or luxury?

Home contents insurance: necessity or luxury?
Fri 10/26/07 11:49:32 am
by Adam Singleton

In recent years, the value of possessions in your home has likely increased as consumer culture and the need to have 'the best' comes to the fore. Add to this the significant amount of personal possessions you are likely to accumulate over the years - jewellery, trinkets, vases and the like and you'd be surprised to learn just how much value there is likely to be in your home.

If the worst were to happen and you lost most or all of your possessions, would you be in a financial position to replace them? Sadly, for many people, the answer would be no, due primarily to the fact that many people do not have adequate home contents insurance to cover the cost of replacing items lost due to fire, flood, or theft.

The recent freak storms which lashed across the north of England brought torrential rain to many parts of the region. The city of Hull alone saw in excess of 16000 houses affected by the weather and many people were forced to leave their homes and possessions behind as widespread flooding caused untold damage across the city. The damage has been so bad that experts predict it could be up to eighteen months before some families are allowed to return to their homes.

The charity organisation, Oxfam has warned that the poorest people are most likely to suffer most in the aftermath, pointing out that poorer people are significantly less likely to have household insurance cover. As a result, many families could well be left with nothing and with no means of replacing their losses, while those who do have insurance face an average claim of £30,000. The total amount of insurance claims is expected to reach £1.5billion.

Yet many people still believe home insurance to be a luxury product despite its relatively low cost. Some homeowners believe that home contents cover is included in the cost of their buildings cover, while some tenants believe their landlord or local council covers home contents as part of their rental agreement for their property. However neither scenario is true, as buildings insurance only covers the structure of a property while a landlord or local council is only responsible for the upkeep of the building. In both cases, individual possessions are the responsibility of the householder, and thus is it important to ensure possessions are suitably covered.

Home contents insurance is available through most major banks and building societies, as well as specialist insurance firms, and arranging a
home contents insurance policy should be a high priority on the list of any homeowner or tenant who doesn't already possess home contents cover. Of those that do have cover, it's a good idea to review the level of cover afforded by the policy and amend as necessary to ensure a good level of protection in the event of a claim.

About the Author

Adam Singleton is an online freelance journalist from Scotlan...

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