When you first start preparing to get your quote, make sure you have all your pertinent information ready so that you can give the agent the information he will need. You can see the information here on how to prepare to get a quote for cheap contents insurance. Or if you need further information check out this post that give additional details regarding home content insurance.
With this information you will be ready to meet with your agent and make an analysis as to what the best type of coverage for the best premium would be. It may be wiser to do a master list and check with multiple agents or companies, but the advantage of using an independent agent is that work with and can check multiple companies. They do not work for only one direct company and that gives them an advantage in being able to offer you more options.
Be sure to let you agent know if you have items like cameras, guns, jewelry or fine art or other c0llectibles. Many policies limit the amount of coverage that they pay on items of this type. Your agent can tell you if you have these types of hobby type or collectible type goods that may need to have additional coverage. In some cases your policy can be amended to increase the limit of coverage. If this can’t be done, Inland Marine policies are available that are made to cover all sorts of collectible or unusual items.
By spending a little time with your agent, you will be able to make sure you find cheap contents insurance at rates you can afford and with the coverages you need.