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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Dec 7, 2012 12:32PM
I would think that firearms would top the list.
Dec 13, 2012 6:11PM
You left out musical instruments.  Good ones are very expensive and probably exceed the limits of homeowner's insurance.  
Dec 13, 2012 10:09PM
firearms can and should be protected
Dec 13, 2012 6:59PM
You could sum up this article by saying "check with your insurance provider for specific information relative to you own particular personal property".
Jan 2, 2013 11:49PM

Jewelry – I don’t have enough to insure

Computer equipment – My $399 five year old lap top, not going to insure that

Artwork – No artwork to insure

Specialty tools – Nope (I do have a hammer, a couple of screwdrivers and a 10 year old drill)

Pets – Yes, mine are insured
Dec 13, 2012 5:59PM

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.

Dec 7, 2012 11:05AM

~ sponsored by your local insurance company! 


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



Dec 13, 2012 9:10PM
I recently moved and I've always had a rider for jewelry on my homeowners.  When I contacted my new ins. company they informed me that I would need to have a security system in place, a safe bolted to the floor, no more than 20K in jewelry in the house, they would need a new appraisal on all pieces and it would be an additional $880. per year!!  My old policy only required an appraisal and was an additional $300. per yr. Ridiculous!
Dec 13, 2012 10:54PM
Common sense should prevail as insurance riders can be expensive for what you get.  If you can not afford to replace the items and or live without them by all means consider insurance.  Personally we purchased a couple of good home safes for storage instead of paying increased premiums.
Dec 13, 2012 6:06PM
I'm thinking this is more geared to the rich and famous....which I'm not
Jan 3, 2013 2:10PM
Our pets are not a household 'ITEM'!  They are members of our Family!  Yes, insuring them is a good  and smart thing to do.
Dec 13, 2012 5:36PM
Er I'm perplexed by the missing insurance ad on this page.  That's not very good advertising, now is it?
Dec 14, 2012 3:21AM
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.
Dec 7, 2012 2:02PM
But when you're too cheap to insure these things properly, and your house burns to the ground or thieves break in and take it all, you'll be wishin for that Fine Articles Floater. There are limits on these items on a typical homeowner's policy. Also, these FAF's don't make agents hardly any money. We just care that our client's possessions are insured in he event of a loss.
Apr 19, 2013 8:18AM
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!
Dec 13, 2012 7:55PM


They are  not covered on standard homeowner's insurance..

Dec 13, 2012 7:36PM
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.

Dec 13, 2012 7:13PM
I am a retired mechanic and when I brought my tools home I tried to get a rider on my home owners insurance to cover my tools. After checking with my agent and other insurance company's the best I could do is $15,000 which 1/10 of the value.
Apr 18, 2013 10:33PM
If I bought insurance for everything that people have told me to buy insurance for......   I would not have the money to by those items in the first place,.   
Dec 13, 2012 10:22PM

Maybe I need to chack on the electronics piece.

It seems they like to set limits on everything to make you by more insurance, but hate to lose my camera collection.

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