Some variations exist in each home & contents insurance and information. Your agent can review the terms with you. Besides the land and buildings, home and garage for example, the contents are also covered. The amount of coverage depends on the terms in your policy.

Items are covered in case of damage as well as theft. This can include damage and loss by fire, storm damage or an infestation of termites, depending on the terms of your policy.

All unique situations that may require replacement of property should be itemized in a policy. The extent of coverage depends on several things. It depends on how much the contents of your home are worth, in total. Also, it depends on the coverage limits as determined by the insurance company selling you the policy.

Sentimental value means nothing to an insurance company. A photo album of your wedding is replaced as cost of a new album, devoid of photographs. A new album does not take into account the photos which are of course, irreplaceable). A forty year old couple can never recreate their wedding photos under any circumstances.

You should catalogue the items in your home. Walk through each room with a video camera and take footage of all the items. Include all furniture, draperies, vases, carpeting and paintings on the walls. Store this video someplace other than in the home that may, unfortunately, be destroyed in a fire. A safety deposit box at the bank is a good, safe place.

For those who live in a high-crime area, the cost of premiums take into account the higher chance of loss by theft. This would increase the premiums charged. Your Home & contents insurance and information would vary in cost from what would be charged in a low-crime neighborhood. It is not done to discriminate against you for being in an income bracket that puts your home in a less-safe area. It is just a matter of practicality on the part of the insurance company.

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