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If you own your home, you might not be thinking much about your homeowners insurance policy. It could likely be something that falls to the bottom of your priority list. After all, aren’t you just paying for it as part of your monthly mortgage. And besides, at least you have insurance. A lot of folks don’t. You are covered in the event Mother Nature decides to throw a temper tantrum or your youngest decides to try and cook dinner and winds up burning down the house.

Fire, a break-in, natural disaster like a tornado or hurricane or earthquake – any or all could devastate you if your home is lost or damaged. But more than that, if you don’t carry homeowners insurance you could find yourself replacing what is lost out of pocket. Think about that for a minute. Look around at what you have collected so far – furniture, area rugs, clothes, shoes, accessories, electronics, artwork, books, decorations, appliances in some situations. Think about trying to replace all of that on your own without any help. It would likely be something the average person couldn’t pull off. Actually, the average claim can be between $2000 and $15,000 – that’s a lot of money.

When you carry homeowners insurance, you are able to have your possessions covered depending on the policy particulars you choose. Making a record of your possessions and coming up with values is easier than ever these days – all you have to do is walk through with your smartphone and video everything. Then sit down and make a list with the replacement values of everything you’ve recorded. There are easy value listings that you can search online to help you figure out the values of things like clothing.

Once you have this record done, it is pretty easy from there. Now if you have a burglary and all your electronics are gone, you’ll know exactly what you had and what it costs to replace those items. If a storm hits and you have damage to just your bedroom (and closet), you’ll be able to itemize the clothing, bedding and other associated items that you need to reacquire. The peace of mind that comes with knowing you could take care of business without missing much of a beat absolutely balances the minimal cost of an insurance premium once a month or quarter.

You and your insurance provider can talk about what you might likely face, and what you want to make sure you can take care of should disaster strike. This could also include liability insurance. This type of insurance protects you and is a benefit in the case of someone who doesn’t live in your home being injured on your property.

If you have other questions about your homeowners insurance, it’s time to talk to your insurance agent. If you don’t have coverage, or don’t have adequate coverage, it’s time to get a free homeowners insurance quote. Call a reputable insurance company today.

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