Your precious items-Make sure they're covered

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.