Jump to content


Speaking of home insurance

Night Elf

Recommended Posts

Record what you paid.  If you can find the same or close online, print that.

For something like a valuable piano (I don't know anything about pianos) I'd get it appraised or find a reputable comparison online.


The most important thing is that your contents coverage overall is sufficient.  Dh's aunt got her full check without an itemized inventory when her home completely burned.  If her contents were actually worth more than that (and I have no idea,) she lost out.  If they were worth less, she came out ahead.  Yes, some companies might quibble, particularly if there's only a partial loss.  But it's more likely to be along the lines of "But the furs in my lost closet were worth tens of thousands!" than "My Raymore and Flannigan couch was in perfect condition."  IN which case the furs should have had their own line item in the policy.

Link to comment
Share on other sites

Record what you paid (and approximately when) and, if possible take a picture. Look up online what you could find something comparable for and record that as an estimated current replacement cost. Be sure that you're insured for replacement value and that you're insured for enough to cover the estimated cost of replacement, not just purchase price.

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Create New...