5 household items you should insure

Homeowners and renters insurance policies offer great blanket coverage for many things around the house. But there are some valuables that need extra protection.

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VIDEO ON MSN MONEY

59Comments
May 15, 2013 12:08PM
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A course they leave off the obvious - -firearms.  Wouldn't want to come accross as pro-gun or anything now would you MSN?

May 15, 2013 12:16PM
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Insurance is a waste of money.  Put money into savings and when an emergency happens, pull it out. 

Tossing money into a dozen different forms of insurance that you might not ever need is just stupid.  There's already fire insurance, flood insurance, termite insurance, etc.  Soon there will be insurance for your insurance.  Aside from the basics, it's a waste of money.  Put your money into savings, don't give it to some 'for profit' company that will fight you when it comes time to replace something.
Jul 23, 2013 2:18AM
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30 years of house insurance you'll never get to use. A portion should be returned after your house is paid off.
Jul 22, 2013 9:36PM
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NEVER leave jewelry in a jewel box, the first place theives look. I learned the hard way.
Jul 23, 2013 8:58AM
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If you tell the insurance folks you have a big dog chances are they will just cancel you especially if they consider it a "dangerous breed". My pit bull was so vicious I had a security system as he would hide behind the sofa .... only thing he got excited about was a cheeseburger.....
Jul 23, 2013 8:58AM
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paid for by your local insuarance agent! 
Jul 23, 2013 2:14AM
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Insurance is nothing but legalized crime! I'll take my chance. You do know that if jewelry or tools are stolen, they will only cover your loss if the thief was a leprechaun or the tooth fairy. I just filed a claim on my leaky roof,and was told they couldn't cover it. A tile had to be either blown off or ripped off by the hand of god himself. And the biggest scam of all is car insurance. I really don't understand why we Americans have let them get away with so much.

Jul 23, 2013 4:58AM
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Hey gang.  I agree that guns are missing.  And that says legions about the bias of MSN, but now let's go to substantive stuff. If you have guns you need to schedule them, just like jewelry, so you can collect if they burn up in a fire ( Glocks actually melt) or, worse yet, get stolen. Once you do that your carrier officially knows that you have weapons in the house.  And that may lead to all sorts of
inquiries about gun safes, storage of ammunition, etc. I have the terrible fear that sooner rather than later you may face losing your liability/umbrella coverage if you have guns or, if you are lucky, get to pay major bucks in premiums in order to own weapons.  And of course Uncle Sam no doubt is going to tax gun insurance premiums. Wow, gun control we can all believe in. The poor and middle class won't be able to afford legal guns if the administration crams mandatory liability insurance requirements down our throats. But the rich will continue to be able to afford them. Is this a great country or what???


Jul 23, 2013 9:34AM
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I didn't realize pets were a household item. Funny me I thought they were living things.
Jul 23, 2013 10:18AM
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Well whaddya know, Farmer's Insurance ads are plastered all over this article.
Jul 23, 2013 9:56AM
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This posting, brought to you buy your local insurance carrier.

Jul 23, 2013 1:02PM
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The entire insurance industry needs to be eliminated.
Jul 23, 2013 8:20AM
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Pets are a household item? Specialty tools? Really? If you want to protect your computers, instead of paying random money-sucki-- I mean, insurance companies, just save the money to replace the item. Trust me, it will be a LOT cheaper when the time comes to replace it.

Jul 23, 2013 12:59PM
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Stopforred you're quite dumb and gullible. Not all pits are bad dogs, not the majority. That's up to their owners how they would like to raise their pits. Stop believing everything you here and get a brain of your own.
Jul 23, 2013 10:42AM
Jul 23, 2013 8:51AM
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Aren't we supposed to be seeing new news stories...some of these comments are months old.  Not surprised.
Jul 23, 2013 2:59PM
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I've been paying insurance on houses, cars and more for more than 50 years. I have NEVER had a claim and the rates keep climbing. If I had invested the premium$ in one of those pre-2000 savings accounts or in a 401k, Roth IRA or any other retirement program, I could have replaced the houses and cars myself. Now....let's talk about life insurance. How many policies are purchased, funded with premiums and then cancelled. Who gets to keep the money? Of course, the insurance companies. All insurance is a crap shoot where you bet against yourself.
Jul 23, 2013 12:07PM
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my insurance agent actually mentioned guns first.WHAT UP MSN?
Jul 23, 2013 12:50PM
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Do not forget to keep all your receipts when the insurance companiy tells you they are sending an adjuster to deplete the replacement value of your valuables. They will attempt to cheat you out of anything they can. Depreciation, deductables and on a replacement value policies is a oxy-moron statement. There is nothing on this list that they will give you what it cost to replace that item.

It is more than likely this article was written by a reporter paid to speak on behalf of the Insurance company wanting to beeef up their profits. 

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