Instructions & Rules:
Step 1: Select the number of bedrooms in the house you are moving FROM. Our system will use an automatic calculation of value for your home for all non-furniture items worth $250.00 or less as the base value and furniture items worth $1,000 or less. This value is based on industry statistics and is for the entire value of items in a home with that many bedrooms excluding high value items, so please do not worry about other rooms beyond bedrooms.
Step 2: Add individual items you want to insure for more than $250.00 for non-furniture items and $1,000 for furniture items individually below by selecting the item type, condition, and preferably adding a photo of the item. (You can take one photo showing a few items and use that photo for each one as you add it). Items not added will not be covered for more than $250.00 in value. You can add as many items as you need up to a maximum of $150,000 per certificate.
Base Bedroom Value + High Value Items = Total Sum Insured
Note: It is extremely important to select the correct number of bedrooms for base valuation. If you declare less bedrooms claims will be penalized by the percentage under-insured (in insurance it is called a co-insurance or underinsurance penalty. For example, if you have 2 bedrooms and declare 1, claims will be paid at 50% because you only insured half of the business.
High Value Items
Selecting an insurer does not alter coverage in any way, it is for your preference and comfort only.