So, make your list and check it twice. Other valuables, such as family heirloom silver You'll also need to separate any equipment you use only for business, as it may need to be itemized on a small-business policy. In the event of theft, they can be traced more easily. Once you've really worked over your list, total the value to get a sense of what level of coverage you'll need. Next step, gather and compare offers.
Renters have computers, bikes, and jewelry, just like their landed friends.
For those poor souls along the San Andreas Fault and anywhere close to the Mississippi, keep in mind that earthquake and flood insurance aren't usually part of the standard package and require extra coverage. If you live within five miles of a fire station or within 1,000 feet of a fire hydrant, tell your insurance company. Might cut you a bit of a break on the premium. Bankrate Inc. All rights reserved.