Your precious items
Make sure they're covered
Do you own valuable personal possessions such as jewelry, furs, antiques,
art, coin collections, and the like? Do you understand how to insure them? Many
people think their homeowners insurance covers the full cost of all of their
belongings. This may not be the case: Most homeowners insurance policies cover
your house and most of its contents but usually contain limits on certain items
and often for certain causes of loss.
Add a ‘scheduled floater’
Scheduled Items Floater
coverage is designed to cover your valuable property that may be excluded or
which has been greatly limited in your homeowners or renters coverage. Such
property may include:
- Jewelry
- Paintings, sculpture, and other works of art
- Cameras, musical instruments and firearms
- Antiques
- Collectibles
- Silverware, goldware, and other high value precious metalware
Can't always prevent
Can prepare
We
can't always prevent a loss but we can try to prepare. It's always better to
discover you don't have enough insurance for your artwork, jewelry or other
unique valuables before you suffer a loss. Call me — I can tell you what
coverage is provided for valuables under your current policy, whether there are
special lower limits, when those special limits may apply, and whether certain
types of causes of loss are covered. Then you can think about your valuables and
decide if you have the coverage you want for your belongings.
In Arizona call Marianne Hobbs Insurance Agency: 602.547.1970
Coverage is not available in all states.
