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Home Contents Insurance Westminster CO

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 Westminster, CO that can help answer your questions about Home Contents Insurance.

Equisure
(303) 614-6961
3000 S Jamaica Court
Aurora , CO
 
Leinweber Insurance Agency
(303) 719-0364
2090 e 104th Ave Ste 305
Thornton, CO
Alternate Phone Number
303-719-0364
Services
Home, Life, Auto, & Motorcycle Insurance

STATE FARM INSURANCE - BILL ROUSE
(303) 424-0420
4350 Wadsworth Boulevard
Wheat Ridge, CO
 
ANTHEM BLUE CROSS AND BLUE SHIELD
(303) 831-2131
700 Broadway
Denver, CO
 
Advanced Insurance Services
(303) 934-1435
2700 W Evans Ave
Denver, CO
Alternate Phone Number
303-934-0626
Prices and/or Promotions
Home-Auto-Business-Life & Health Insurance

Trust Hall Insurance Services
(303) 421-2802
7502 W 80th Ave Ste 180
Arvada, CO
 
FARMERS INSURANCE - HENDERSON
(303) 919-0250
11990 Grant St. # 400
, CO
 
Denver Life Insurance Agency
(303) 309-0100
1624 Market St Suite 202-A
Denver, CO
 
GD Mitchell Insurance Broker- Business and International Insurance
(303) 720-7519
1307 Grant Street
Denver, CO
 
Auto Insurance Denver
(303) 997-1779
303 S Broadway
Denver, CO
Alternate Phone Number
303-997-1779

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...

Click here to read the rest of the article from mobilehome.com


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