The expense of replacing all of the items in your closet, particularly if you have a large collection of shoes, maybe rather high.
Worryingly, even if you have home contents insurance, it may not provide coverage for your clothes. Therefore, if any of your belongings were taken from your residence or damaged by a fire or flood, you may not be able to receive compensation to replace them.
Check that your house insurance policy covers your clothing. If possible, opt for new-for-old coverage rather than indemnity coverage.
Do I Need Clothing Insurance?
Some new for old cover policies exclude clothing from the list of products for which you can file a claim. This is due to insurers' perception that clothing has a shorter life than typical insured items such as sofas, televisions, and jewelry. Check again to ensure that the cover includes clothing.
If you get indemnity coverage, your clothes will likely be covered, but you will only be compensated for the damage. Therefore, the value of your earlier products will have decreased, and you will only receive a fraction of what you spent on them.
Suppose you decide to purchase home insurance that does not cover your wardrobe. In that case, you should first determine the value of your clothing and the cost to replace it yourself.
Suppose you believe you would be okay with that. In that case, it may not be a priority to spend a small amount more for your homeowner's insurance to safeguard your clothing.
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