Comprehensive Insurance:
Don't Risk These 3 Items In Your Home 

Thief with crowbar breaking into home door.Insure important items in your home against theft.

Memories, love, and happiness shape the experience of home in the modern world.

Our homes' four walls – old or new – offer the comfort and security no other space in the world does. 

We invest our life savings into crafting our home sweet home. Whether for functionality or aesthetics – we, as homeowners - oversee the purchasing and utilizing of belongings in our household.

These personal keepsakes are the soul of our homes. 

Of all the things in our homes, these three things aren't worth the risk of not insuring with comprehensive insurance. Because like life - accidents happen. 

Because Accidents - and Worse - Happen

Unfortunately, accidents and damage are part and parcel of life. These accidents, such as a sudden fire or burglary, don't have to be catastrophic to cause significant damage. 

In times like these, it is a comprehensive insurance policy that acts as your safety net. As the name suggests, it protects against loss or damage by theft, fire, explosion, burglary, flood, water leakage, storm, or flood damage. 

Home and renter's insurance covers all your personal property. Be it your expensive jewelry or your daily use china plates – everything is protected.

There is a host of more information required before you finalize a coverage plan.

When it comes to pragmatic, affordable, and flexible insurance policies, Lemonade is a top choice. To protect the belongings in your apartment and find an ideal insurance plan, you can learn more about Lemonade here.  

Insurance policies are expensive, and you might have to pick and choose what sort of coverage you opt for based on your requirements and budget. But no matter what, there are some household belongings that you must keep in your mind while making the final list. 

1.  Furniture, Fixtures, Fittings

While making an exhaustive inventory of all our household valuables, we often forget the most expensive investment of all – the walls that hold our house.

Over time the cost of construction materials and fixtures increase rapidly; this includes the cost of furniture, bathroom, and regular fixtures.

In case of any mishap, our house's shell, including the furniture and fixtures, often bears the most damage.

Because paying out of pocket for repair or replacement can wreak havoc on the monthly budget, fully insuring these items is a practical and economical solution. 

2.  Jewelry

The anxiety of a possible burglary of our good stuff - the family jewels - is a fear as old as the hills. However valid, it can be easily eliminated by insuring these valuables. 

A bank box may seem like a safe and convenient solution. Truth be told banks offer less security, and often won't take responsibility for any losses.

Then again, why keep a precious family heirloom or one-of-a-kind ornate gold earrings locked away? 

Yet wearing or keeping jewelry at home carries with it some risk. To escape all these unnecessary vexations – insure your jewelry. No matter what peril befalls you, your insurance policy will have you covered. 

3.  Electronic Equipment

Electronics are no longer luxuries; they are necessities of modern life. Imagine a household without a refrigerator, microwave, music system, washing machine, or television. These electronic appliances breathe life into our homes. 

With our increasing dependence on smart and intuitive technology, the anxiety of these machines breaking down is always a concern. What if your air conditioner suddenly begins spewing out hot air  down on a sweltering summer day,  your fridge shuts down right after you've fully stocked it.

Like any machine, electronic appliances often have a relatively short life-span, and mechanical breakdowns are inevitable, no matter how carefully said pieces of equipment are maintained.

Once the repair, replacements, and maintenance bills start piling up, the total can be quite the shocker. Thankfully, mishaps like these can be avoided with careful planning and comprehensive insurance. 

To make your life - and the life of your electronic appliances -  comfortable, it pays to opt for a comprehensive insurance policy.

Your insurance policy will protect your equipment from accidental damages, mechanical breakdowns, fire and water damages, and more. 

In Conclusion

Accidental damage and thefts are life events out of our control. We can't control their comings and goings, but something we can control is how much damage they cause our wallets.

A smart homeowner is one who invests in an insurance policy for his home and all the precious items inside. 


You might like these:

  • An estimated 80 percent of homeowners affected by Hurricane Harvey path don't have flood insurance. Are your finances and home prepared for a natural disaster?

    Flood Insurance: What You Should Know

    An estimated 80 percent of homeowners affected by Hurricane Harvey path don't have flood insurance. Are your finances and home prepared for a natural disaster?

  • These flood safety tips will help you prepare your family, your home, and your pets should a water disaster occur.

    Flood Safety Tips

    These flood safety tips will help you prepare your family, your home, and your pets should a water disaster occur.

  • If you have a large, vulnerable home, these home security systems are worth considering.

    About Home Security Systems

    If you have a large, vulnerable home, these home security systems are worth considering.

  • Easy ways to keep your home and family safe from intruders, accidents, and natural disasters.

    Safe at Home

    Easy ways to keep your home and family safe from intruders, accidents, and natural disasters.

  • A serious sweat sesh might be just what the doctor ordered to help relieve stress in these trying pandemic times.. Good idea (mostly). If it weren't for those pesky germs at the gym.

    Beat Germs at the Gym

    A serious sweat sesh might be just what the doctor ordered to help relieve stress in these trying pandemic times.. Good idea (mostly). If it weren't for those pesky germs at the gym.

  • Since we're outside so much during summer, we need to consider setting some backyard and pool safety rules to play by.

    10 Pool Safety Rules for Kids

    Since we're outside so much during summer, we need to consider setting some backyard and pool safety rules to play by.

  • Children have a way of finding hazards at home you might never have suspected were there. These kids home safety tips can help keep little ones safe.

    Kids Home Safety Tips

    Children have a way of finding hazards at home you might never have suspected were there. These kids home safety tips can help keep little ones safe.

  • You don't need to spend a bundle to keep your home safe from environmental and man-made hazards. These tips for a safe home can help.

    A Safe Home in 4 Easy Steps

    You don't need to spend a bundle to keep your home safe from environmental and man-made hazards. These tips for a safe home can help.

  • Most of us know that lead paint is hazardous to children. These safety tips can help you keep your home safe.

    Lead Paint Safety Tips

    Most of us know that lead paint is hazardous to children. These safety tips can help you keep your home safe.

  • Ignorance can be bliss. Or at least it used to be. But Asbestos awareness, especially at home, can help protect your family from its ravaging effects.

    Asbestos Awareness Can Keep Your Family Safe

    Ignorance can be bliss. Or at least it used to be. But Asbestos awareness, especially at home, can help protect your family from its ravaging effects.

  • As we all know - accidents happen. But you can prevent accidents at home without turning your home into a fortress.

    Accidents at Home and How to Prevent Then

    As we all know - accidents happen. But you can prevent accidents at home without turning your home into a fortress.

  • Earthquake Insurance: Yes or No? 8 things you need to know when making this important insurance decision for your family so you can avoid financial aftershocks.

    Earthquake Insurance: Yes or No?

    Earthquake Insurance: Yes or No? 8 things you need to know when making this important insurance decision for your family so you can avoid financial aftershocks.

  • 'Tis the season to light up the fireplace. But before you do, here are some fireplace safety tips to keep the home fires burning - safely.

    10 Fireplace Safety Tips: Burn, Baby Burn - Safely This Winter

    'Tis the season to light up the fireplace. But before you do, here are some fireplace safety tips to keep the home fires burning - safely.

  • Being prepared to act when a fire occurs will help you rest easier. These home fire safety tips can help get your home prepared.

    Home Fire Safety Tips

    Being prepared to act when a fire occurs will help you rest easier. These home fire safety tips can help get your home prepared.

  • Some threats to your family's safety you can detect before they cause harm; others cause damage without warning. Prepare for them with these home safety tips.

    Home Safety Tips: The essentials

    Some threats to your family's safety you can detect before they cause harm; others cause damage without warning. Prepare for them with these home safety tips.

  • Earthquake preparedness is essential, no matter where you live. Here are things you can do to keep your home and family safe in the event of a natural disaster.

    Earthquake Preparedness at Home

    Earthquake preparedness is essential, no matter where you live. Here are things you can do to keep your home and family safe in the event of a natural disaster.

  • Radon gas is an odorless menace, moving up through soil into homes through foundation cracks. Here's how to find out if radon is present in your home.

    Radon Gas in Your Home

    Radon gas is an odorless menace, moving up through soil into homes through foundation cracks. Here's how to find out if radon is present in your home.

  • The better the security door locks on your home's doors, the more difficult it is for intruders to get inside. What you need to know about choosing door locks.

    Choosing Security Door Locks

    The better the security door locks on your home's doors, the more difficult it is for intruders to get inside. What you need to know about choosing door locks.

  • Disaster planning is essential. While they may never happen to you, natural catastrophes strike millions of families each year. So it's only prudent to prepare.

    Disaster Planning for Families

    Disaster planning is essential. While they may never happen to you, natural catastrophes strike millions of families each year. So it's only prudent to prepare.

  • Whether your home is humble or palatial, there's probably something inside it of interest to thieves. These tips to protect your home can help.

    Protect Your Home Against Intruders

    Whether your home is humble or palatial, there's probably something inside it of interest to thieves. These tips to protect your home can help.

  • f you'll be counted among the traveling masses, these holiday travel safety tips can go a long way to keeping your family healthy.  Here's how to protect yourself in a variety of on-the-go situations this holiday season.

    Holiday Travel Safety Tips

    f you'll be counted among the traveling masses, these holiday travel safety tips can go a long way to keeping your family healthy. Here's how to protect yourself in a variety of on-the-go situations this holiday season.

  • Hurricane safety means getting your home and family ready to weather the storm should it come thundering your way. These tips can help you prepare.

    Hurricane Safety Tips

    Hurricane safety means getting your home and family ready to weather the storm should it come thundering your way. These tips can help you prepare.

  • Expecting guests?  These 10 home safety tips can help ensure visiting family and friends have a safe visit by preventing common household accidents.

    Home Safety Tips to Prevent Accidents

    Expecting guests? These 10 home safety tips can help ensure visiting family and friends have a safe visit by preventing common household accidents.



Enjoy this page? Please pay it forward. Here's how...

Would you prefer to share this page with others by linking to it?

  1. Click on the HTML link code below.
  2. Copy and paste it, adding a note of your own, into your blog, a Web page, forums, a blog comment, your Facebook account, or anywhere that someone would find this page valuable.