Contents Insurance

[Nelle]

Oooh. We've never owned carpet or curtains before, perhaps we might need to reassess...
I suppose when you do go through and say, $20 per item of clothing, $10 per book, $15 per cd (to be conservative)...even that will add up to heaps! And the things I don't think about - plates, picture frames, rugs, bathroom stuff and makeup, christmas decorations...

[Tinks]

My sister had a house fire a couple of years ago. Her bedroom was totally destroyed, the rest of the house was badly heat, smoke and water damaged. Her contents insurance was set at $50,000 and didn't cover everything that needed to be replaced which is why I upped mine to 90. I wanted to ensure we'd be able to cover the cost of everything if we ever needed to.

[briggsy's girl]

talk to your insurance company and find out if they have an estimator. i've run the online ones and they say we need 300k plus. i can't recall exactly what it's at, but i need to re-look at it

as Nelle mentioned, things you don't think of add up. we got a quote for curtains in our house - over 8k for pretty basic block outs. umm, Christmas decorations - we have bradford exchange stuff that seems minimal but when i think of it, there is well over 5k worth of stuff. it adds up very quickly. even computer equipment - we all probably underestimate replacing it all. cameras etc

[Astrolady]

OH BG.. I didn't even think of my Franklin Mint plates. Something I should insure separately as well as there is a few thousand in that alone.