Motor vehicles are not covered. A separate insurance policy is needed to protect your car, van or motorcycle. Policies vary - so be sure to ask. Your policy can insure possessions one of two ways - for either the cash or the replacement value. Cash value coverage takes into account the age and condition of items at the time of damage or loss.
Replacement value pays today's cost of a new item.
Replacement value policies tend to cost more, and there may be other requirements as well. The lower the deductible, the more the policy will cost you. Shop Around Find an insurance agent or insurance company representative with whom you are comfortable. Ask friends or relatives or consult the yellow pages. Call a variety of insurance companies and agents.