Home Insurance Hack
00:00:00.000 | - Let me give you a little hack here on the C stuff.
00:00:02.640 | So my agent said C, the inside items.
00:00:06.560 | - Yeah. - Personal belongings,
00:00:07.800 | he described it as this, which I thought was a great,
00:00:09.880 | just a perfect analogy for it.
00:00:11.640 | If I were to take your home,
00:00:12.840 | and I'd pick it up off the ground, and I were to shake it,
00:00:15.280 | anything that falls out would be considered
00:00:17.860 | those personal belongings.
00:00:18.920 | Now, I had installed speakers in my ceilings
00:00:23.120 | and all that stuff, and he's, those are hard attached.
00:00:25.680 | Those are attached to your home.
00:00:27.120 | You couldn't remove them without causing damage to the home.
00:00:29.880 | So we have to include that in the main dwelling.
00:00:32.920 | And if you hit your cap there,
00:00:34.800 | then they're not covering the speakers.
00:00:36.560 | So I hit my cap on the dwelling.
00:00:38.040 | So they're like, oh, you're out the cost of speakers.
00:00:40.440 | The electronics are related to that stuff
00:00:42.160 | that it was hard mounted.
00:00:43.440 | It's actually to your benefit to get like sound bars
00:00:47.120 | and stuff that isn't- - Now if it's mounted to the wall.
00:00:49.560 | - Then you'll be okay with that if it's mounted to the wall.
00:00:51.520 | But just remember, if you're going and doing that dream
00:00:54.920 | 7.1 surround sound system where it's all put into the wall
00:00:57.760 | and all that, they are not gonna include that.
00:00:59.760 | As a personal belonging, it's part of your dwelling.