5 household items you should insure

I would think that firearms would top the list.

firearms can and should be protected

to Iron Mike: do you not understand the purpose of INSURANCE.  Any amout of jewery by itself might not seem worth to insure however say your wedding rings/engagement which usually cost more than a simple heres a necklace purchase, you would think most would wan to protect this investment.

 

 Secondly I am going to assume you do not have pets or ones that you care about bc if you did you would know when unexpected things happen the bill can be quite large making life that much harder.  If I hadnt gotten pet insurance when my dog was 6 months old and at the vet for 2 days which translated into a $1600 vet bill plus extra vet prescribed foods - $300 a month for 3 months after leaving the vet, if i did not have insurance my credit card would ahve reached their limit & i would have faced financial difficulties.  Having pet insurance saved me and allowed me to recoup 90% of my $1600 vet fee.

 

Learn the facts before you post your opinion.

~ sponsored by your local insurance company! 

 

aside from  the house, the items listed are quite lame as "requiring" insurance. 

 

 

Our pets are not a household 'ITEM'!  They are members of our Family!  Yes, insuring them is a good  and smart thing to do.

Dennysgirl11, Are pets valuable items? Let me ask you this, are your children valuable items? My dogs are more behaved and better listeners than any child. Not to mention not as messy. My dogs are my children and they both currenty are having health issues. So far it has cost me around $2500.00 I wish I would have purchased insurance. Doesn't matter though, I will spend whatever it takes to get them healthy. As for being valuable items, my dogs have made thousands of dollars for me.

Er I'm perplexed by the missing insurance ad on this page.  That's not very good advertising, now is it?

Firearms SHOULD top the list, but since MSN is a left wing digital rag, they surely can't recommend that you insure firarms- that would be like endorsing private ownership..... Can't have that!

I am an insurance agent and I will tell you that choosing the RIGHT policy is critical to getting you "stuff" covered.

Pets????? This one is still in the air. While some policies MIGHT cover vet visits and liability in the home, I have yet to see a policy that covers liability outside the home in any amount worth talking about. We all know dog bite are a popular lawsuit theses days and can cost thousands. Most policies don't have much for coverage.

Jewels, yeah get them appraised and make sure you get the umbrella to cover them.

Computers, well, in a business setting yeah 100% get those insured, personal.....a decent renters or homeowners policy will cover them. The danger here is the information contained in those computers, separate policy for that.

The basic fact is, get the maximum coverage you can afford. This might mean shopping around and playing with deductibles and ASKING if there are ways to reduce the premium.

You all would be surprised at some of the smallest things that can get HUGE savings.

Yes, insurance companies are in it to make money, but, they are not here to rob you blind.

I know it is unorthodox in this world, but, ASKING questions is of paramount importance. If your agent can't or won't explain things to your satisfaction or in a way that makes sense, you need to seek out another.

A good agent will give you all the information they have to try and help you. THAT is our job.

I would think life insurance on pets might work.  That way we could try and get back a little of what we had to pay the vet !