I live in a condo and have home insurance. The problem is I have to pick the amount of insurance. The HOA pays for everything that is "External"; I have to pay for what is inside.
I have no idea how to estimate the replacement costs of what is inside my place. I could go through and add up all the furniture, clothes, electronics, etc, but that would be incomplete b/c I don't know that cost of appliances, plumbing, electric, fixtures, countertops, carpet, etc.
So are there any good rules of thumb out there? Google didn't help too much.
I have no idea how to estimate the replacement costs of what is inside my place. I could go through and add up all the furniture, clothes, electronics, etc, but that would be incomplete b/c I don't know that cost of appliances, plumbing, electric, fixtures, countertops, carpet, etc.
So are there any good rules of thumb out there? Google didn't help too much.