Family picture - home insurance example

Sample Home Insurance Coverage Checklist

The Professionals Working at Our Insurance Agency Speak about Residential Property


If you want to discover whether you have an adequate home insurance coverage, the first thing you need to do is to ask a local insurance agency to provide an estimate of what it would cost you to rebuild your home. Account for the value of your furniture, electronics, computers, home appliances, clothing, and other household items to complete the estimate.

Here are the things you should keep in mind:

  1. Family picture of home insuranceYou should have sufficient home insurance to replace your home and its contents if everything is lost in a fire or another covered disaster.
  2. Recent additions that add square footage to your home, as well as major changes to the existing space, will likely yield a need for a higher replacement coverage.
  3. If you have a taste for fur, fine jewelry and art, as well as sterling silver flatware, consider separate prizes to cover these valuable possessions.
  4. Some insurers do not typically cover floods, so you may like to pay for such an insurance additionally, even if you are not in a flood zone.

If you want to obtain some additional tips on the topic, call the insurance agency Brenda’s Insurance Services Inc., of La Puente, CA. Our office phone/fax is (626) 247-8401!