🛋️How Much Contents Coverage Do I Actually Need?
Let’s be real—your stuff adds up. Think furniture, clothing, electronics, kitchen gear… even that air fryer you swore you’d use every day. Contents insurance has your back when it comes to replacing your personal belongings if they're damaged or stolen due to a covered event (like fire, theft, or water damage).
💡 How Much Coverage Should I Choose?
A good rule of thumb: choose a coverage amount that reflects today’s replacement cost, not what you originally paid. That $200 Ikea couch might cost $900 now, so don’t sell yourself short.
👉 Pro tip: Take a walk through your place and make a quick inventory—you might be surprised how much it’s all worth.
🚫 What’s Not Fully Covered?
Certain high-value items like:
💍 Jewelry
🖼️ Art or collectibles
📷 Expensive electronics
may have coverage limits unless you add extra protection or a special endorsement.
If you own items like these, it’s worth checking your policy or chatting with an advisor to make sure you’re fully covered.
💡 How Much Coverage Should I Choose?
A good rule of thumb: choose a coverage amount that reflects today’s replacement cost, not what you originally paid. That $200 Ikea couch might cost $900 now, so don’t sell yourself short.
👉 Pro tip: Take a walk through your place and make a quick inventory—you might be surprised how much it’s all worth.
🚫 What’s Not Fully Covered?
Certain high-value items like:
💍 Jewelry
🖼️ Art or collectibles
📷 Expensive electronics
may have coverage limits unless you add extra protection or a special endorsement.
If you own items like these, it’s worth checking your policy or chatting with an advisor to make sure you’re fully covered.
Updated on: 01/04/2025
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