Dresser Handles

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Homeowner's Insurance Is Critical - Know How to Handle It

If you own a home, you absolutely must have homeowner's insurance.  How much homeowner's insurance you need is the difficult question for most people.  

Evaluate your Home

In order to determine how much homeowner's insurance is necessary, you should evaluate the value of your home, not counting the land, and all of your personal property within your home.  How much will it cost to rebuild your home if it was completely destroyed?  An insurance agent is trained to assist you in figuring out this dollar amount, and most will physically visit your home before insuring it.  There are formulas that homeowner's insurance agents take into consideration for determining replacement value, that include whether the home is brick or wood frame, the total area of the home, number of rooms and other details that enable the agent to determine an accurate replacement cost value. Some homeowner's also pay to get a contractor estimate for rebuilding their home.

Evaluate your Property

With a piece of paper, go through every room of your home and list each piece of furniture and fixture that's in it.  If possible, you should include receipts that show the purchase price and date purchased.  Take photographs of major (more expensive) items.  Your property inventory should be updated on an annual basis, or at least whenever you make a major purchase for an appliance or piece of furniture.

A videotape can be helpful for recording our inventory.  When using video, open the drawers of your dressers and cabinets, and closet doors in order to get a visual of what is inside each piece of furniture.  While you videotape, you should record an audio description of major items.  

Store your inventory list and/or videotape in a safe deposit box outside of your home, or at a friend or relative's home- or even your workplace.  That way, if something happens to your home, you'll have your records.

Replacement Cost or Actual Cash Value?

There are two main types of homeowner's insurance- replacement cost and actual cash value.  When you have the approximate value of your home and all of it's contents determined, then you decide whether or not you want to insure your home against the replacement cost or actual cash value basis.  If you use replacement cost, then your home will be rebuilt based on that value.  If you choose actual cash value, you will receive the amount payable to you if there is a loss- the amount is determined by the current replacement cost of the homes contents minus estimated wear and tear and depreciation.

Additional Homeowner's Insurance Coverage Options

In addition to insuring your home against it's value and the value of it's contents, homeowner's insurance can also be taken with extended coverages, including:

Increased limits of liability:  generally, homeowner's insurance includes personal liability and medical payments of $100,000 per occurrence and $1,000 per person for medical payments but higher limits can be purchased.

Home computer:  homeowner's with personal computers are limited by the available limit for personal property for their computer values. If the computers are used for business, they can only be insured up to $2,500 although if you feel higher limits are necessary for the amount and expense of your computer equipment, you can purchase higher limits.

Workers' Compensation Insurance: When people are working for you at your place of residence- yard work or household chores for example,  this portion of insurance covers most employees who are working for you less than 40 hours per week.  

Home Day Care:  When you watch children in your home for a friend or relative, with no exchange of money, your homeowner's insurance provides coverage for day care activities.  If you are providing day care services for money, it is considered a business and you must purchase additional insurance to cover those activities.

Dresser with Metal Handles in Ask Oak Finish
Dresser with Metal Handles in Ask Oak Finish
List Price: $636.81
Sale Price: $425.89
You save: $210.92 (33%)
  Eligible for free shipping!
Availability: Usually ships in 4-5 business days
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Description

Dimension: 60"W x 18"D x 35"H Finish: Warm Ask Oak Material: Wood, Metal Dresser with Metal Handles in Ask Oak Finish Features seven storage drawers. Softened edges and metal handles. Simple and contemporary style. Make this item yours today to beautify the decor of your bedroom. Matching bed, nightstand, mirror, chest and TV console are available separately.

Features

  • Dresser with Metal Handles in Ask Oak Finish
  • Bedroom
  • Bedroom->Chests and Dressers
  • Some assembly may be required. Please see product details.
Ballet Ballerina Set of 4 Dresser Drawer Handles
Ballet Ballerina Set of 4 Dresser Drawer Handles
Sale Price: $14.95
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Availability: Usually ships in 1-2 business days
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Description

Cute Ballet slippers designed into a Drawer Handle by Vickilane Inc.

Features

  • Set of 4 Handles. Made of Durable Resin
  • Handpainted 3D Design.
  • Screws included set at 3" on center
  • Matching Single and Double Lightswitch Covers available
  • Matching Ballet Dresser Drawer Knobs available
Dresser with Silver Handle Knobs in Mahogany Finish
Dresser with Silver Handle Knobs in Mahogany Finish
List Price: $553.06
Sale Price: $369.49
You save: $183.57 (33%)
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Availability: Usually ships in 1-2 business days
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Description

Dimension: 63 3/8"L x 17 3/4"W x 34 5/8"H Finish: Mahogany Material: Wood Solids, Veneers Dresser with Silver Handle Knobs in Mahogany Finish Features ample drawers to enhance your storage area. Clean lines with gently carved tops and silver horizontal handle knobs adding to the clean design. Item is sure to add a fresh, modern and clean style to any bedroom. Matching bed, nightstand, mirror and chest are available separately.

Features

  • Dresser with Silver Handle Knobs in Mahogany Finish
  • Bedroom
  • Bedroom->Chests and Dressers
  • Some assembly may be required. Please see product details.
Dresser with Chrome Ball Handles in Walnut Finish
Dresser with Chrome Ball Handles in Walnut Finish
List Price: $792.33
Sale Price: $481.26
You save: $311.07 (39%)
  Eligible for free shipping!
Availability: Usually ships in 4-5 business days
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Description

Dimension: 59 7/8"L x 17 3/4"W x 35"H Finish: Walnut Material: Solid Wood, Veneers Dresser with Chrome Ball Handles in Walnut Finish Features ample storage drawers. Drawers feature dove tail construction and are accented with brushed chrome ball shaped handles. Item is crafted with quality and designed with perfection to enhance the decor of your bedroom. Matching bed, nightstand, mirror and chest are available separately.

Features

  • Dresser with Chrome Ball Handles in Walnut Finish
  • Bedroom
  • Bedroom->Chests and Dressers
  • Some assembly may be required. Please see product details.
Sterilite 29308001 3-Drawer Wide Cart with See-Through Drawers and Black Casters, White
Sterilite 29308001 3-Drawer Wide Cart with See-Through Drawers and Black Casters, White
List Price: $38.99
Sale Price: $33.24
You save: $5.75 (15%)
  Eligible for free shipping!
Availability: Usually ships in 24 hours
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Description

Sterilite 29308001 3 Drawer White Wide Storage Drawer CartSterilite 29308001 3 Drawer White Wide Storage Drawer Cart Features:; Durable storage cart; Features clear drawer front design that allows for easy identification of contents; Useful in any room of the home or office; Comfortable handles and easy slide-out drawers are simple to use; Casters are included to create rolling storage options; Great for crafts and hobby's; Assembled and ready to use; White; 15-1/4" x 21-3/4 x 24"

Features

  • 3-drawer storage cart perfect for clothes, hobby supplies, toys, and more
  • Clear drawer front design allows for easy identification of contents
  • Comfortable handles and easy slide-out drawers
  • Includes removable caster wheels for rolling storage options
  • Measures 15-1/4 inches long by 21-3/4 wide by 24 inches high without wheels
Dresser with Ball Shaped Handles in Cappuccino Finish
Dresser with Ball Shaped Handles in Cappuccino Finish
List Price: $663.82
Sale Price: $432.70
You save: $231.12 (35%)
  Eligible for free shipping!
Availability: Usually ships in 4-5 business days
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Description

Dimension: 50"L x 15"D x 29"H Finish: Cappuccino Material: Laminated Engineered Wood Dresser with Ball Shaped Handles in Cappuccino Finish Features six storage drawers. Drawers feature metal glides and ball shaped drawer pulls. Make this item yours today to beautify the decor of your bedroom. Matching bed, nightstand, mirror and chest are available separately. Also available in oak and white.

Features

  • Dresser with Ball Shaped Handles in Cappuccino Finish
  • Bedroom
  • Bedroom->Chests and Dressers
  • Some assembly may be required. Please see product details.
TV Dresser Stand with Chrome Handles in Cherry Finish
TV Dresser Stand with Chrome Handles in Cherry Finish
List Price: $544.24
Sale Price: $396.28
You save: $147.96 (27%)
  Eligible for free shipping!
Availability: Usually ships in 3-4 business days
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Description

Dimension: 47"L x 16 1/2"W x 40 1/2"H Finish: Cherry Material: Hardwoods, Veneers TV Dresser Stand with Chrome Handles in Cherry Finish Features six storage drawers, two open compartments for audio equipment with chrome handles. Simple clean lines and contemporary design. Add some fresh touch to your bedroom decor with this wonderful item. Matching bed, nightstand, mirror, chest and dresser are available separately.

Features

  • TV Dresser Stand with Chrome Handles in Cherry Finish
  • Entertainment Storage
  • Entertainment Storage->TV Stands
  • Some assembly may be required. Please see product details.
Oriental Furniture JPN-TS107 Iron Handle Cabinet Dresser
Oriental Furniture JPN-TS107 Iron Handle Cabinet Dresser
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Description

Our Black Iron End Cabinet is perfect next to the sofa or bed. This multifunctional piece features 6 large full size drawers. This is one of our favorite pieces.

Dresser with Decorative Handles in Rich Espresso Finish
Dresser with Decorative Handles in Rich Espresso Finish
List Price: $849.00
Sale Price: $659.35
You save: $189.65 (22%)
  Eligible for free shipping!
Availability: Usually ships in 4-5 business days
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Description

Dimension: 66"L x 20"W x 38"H Finish: Rich Espresso Material: Solid Hardwood, Veneers Dresser with Decorative Handles in Rich Espresso Finish Features ample storage drawers with decorative metal handles. The drawers come with drawer stops, tongue and grove fronts. Dove tailing at the back with fully extending glides. Suitable for contemporary style home. Embellish your bedroom with the classic beauty of this item. Matching bed, nightstand, mirror, chest and TV dresser are available separately.

Features

  • Dresser with Decorative Handles in Rich Espresso Finish
  • Bedroom
  • Bedroom->Chests and Dressers
  • Some assembly may be required. Please see product details.
Dresser with Ball Shaped Handles in Oak Finish
Dresser with Ball Shaped Handles in Oak Finish
List Price: $442.55
Sale Price: $342.39
You save: $100.16 (23%)
  Eligible for free shipping!
Availability: Usually ships in 3-4 business days
See Reviews For This Product

Description

Dimension: 50"L x 15"D x 29"H Finish: Oak Material: Laminated Engineered Wood Dresser with Ball Shaped Handles in Oak Finish Features six storage drawers. Drawers feature metal glides and ball shaped drawer pulls. Make this item yours today to beautify the decor of your bedroom. Matching bed, nightstand, mirror and chest are available separately. Also available in white and cappuccino.

Features

  • Dresser with Ball Shaped Handles in Oak Finish
  • Bedroom
  • Bedroom->Chests and Dressers
  • Some assembly may be required. Please see product details.
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