Long time fans of stand up comedy are probably familiar with the old George Carlin album (remember albums?) A PLACE FOR MY STUFF. Carlin referred to oneís home as a ìplace to keep your stuffî and that ìif you didnít own any stuff, you wouldnít need a home.î While George does ignore the fact that it is nice to have a roof over oneís head during snowstorms, he is accurately assessing that homes are loaded with ìstuff.î Many of the contents of a home are quite rare and valuable. While a TV could be replaced if it was damaged in a flood, a rare family heirloom can not be replaced so easily. This is why home contents insurance is so very important for anyone whose has a great deal of valuable ìstuffî within their domicile. In a way, Carlinís old 1981 comedy routine still makes a great deal of sense in the way it puts one of the reasons for owning a home with a number of rooms into perspective. A home is not just designed to protect those who live in it, but also to protect the valuables a person might own.
Home contents insurance is exactly what its name would imply: it is insurance designed to reimburse a home owner with the dollar value of the contents of a home if the some sort of disaster befalls upon the house. Many people invest a great deal of money into jewelry, art work, rugs and other items that can literally fill up a home. So, where would the logic lay in not taking out a home contents insurance policy to protect those valuable items?
Home contents insurance can be acquired fairly easy as they are many excellent insurance providers that offer home contents insurance. To not take advantage of those insurance providers when they are prominently available is to put all the money invested into the contents of the home at risk.