Contents insurance protects your personal belongings such as your television, laptop, jewelry, and clothes.  Many homeowners insurance policies protect both the structure of your house as well as its content, but it is wise to check and make sure that your policy will cover both.  Even if you do not need insurance for the structure of your home, you should consider buying contents insurance for your belongings. 

• According to the Department of Justice, a burglary takes place every 10 seconds in the United States, producing an average loss of $1,391.
• In 2007, thieves burglarized one out of every 39 homes.

Buying the right insurance and knowing the terminology of your plan are crucial. For example, most homeowners are not aware of the major difference between “actual cash value” and “replacement cost.” Actual cash value is the cost to replace the item, minus depreciation. Replacement policies pay enough to replace the stolen item with the exact same item or something as close to it as possible, rather than just paying for the depreciated value of an item.

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