How Does Home Insurance Cover Carpeting?

When you install new carpeting in your Monroe, CT home, you’ll want to put in a call to your insurer and let them know.

As a general rule of thumb, if it’s attached to the home, it’s part of the home. If it’s not, it’s filed under possessions. This means that new carpeting, or any flooring, is included with the value of the home. And, it means that a throw rug is a possession. Even a room-sized rug is a possession. These will be included in your inventory alongside your TV, jewelry, and so on.

This extends to furniture and appliances and such, as well. A sofa is a possession. But if you convert a window into a sitting window, that’s part of the home. The throw pillows you use to cushion the seat are possessions, but what you sit on is part of your home.

There are a few exceptions to the "if it’s attached" rule, of course. A poster you’ve hung up on your bedroom door isn’t part of the house, as far as your home insurance provider is concerned. Shelves can be part of the house, but because shelves are generally cheap and easy to replace, most people don’t bother getting them covered on their policy either way. Cabinets, on the other hand, are very much a part of the structure.

If you’re ever unsure as to whether something is a personal possession or part of the home, give your insurer a call. It’s not always set-in-stone or uniform from one insurance company to the next, and your insurance agent is here to answer your questions, that’s a big part of what you pay them for.

If you’re still shopping around for home insurance in Monroe, CT, get in touch with Fida Insurance Group. At Fida Insurance Group we can compare quotes and get you protected with a policy that works for you.