Learn how you can protect your personal possessions.
Whether it’s fine jewelry, a precious family heirloom, or a carefully cultivated collection, almost everyone has valuables that they would do anything to protect. One of the best ways to get the protection that you need is by getting these valuable belongings insured. Here’s what you need to know about insurance for your valuables.
Homeowners Insurance Might Not Have You Covered
While standard homeowners and renters insurance policies do offer some protection for your personal property, homeowners and renters insurance policies typically cover up to the amounts a person selects for coverage. It can also be a percentage of your actual homeowner dwelling coverage depending on the insurance carrier and the specific policy. There are also various limits on the amount of coverage per valuable item. Items can be scheduled individually or covered under “blanket valuables” coverage.
How Do I Get the Coverage I Need?
While you cannot count on standard homeowners insurance to cover all your valuables and with the proper coverage (depending on the type and value of the items), there are other ways that you can get the coverage you need. You can add a policy rider onto your existing homeowners insurance to specifically cover the item(s) you want to insure and/or increase your property coverage limits. Types of valuables you might want to look into with your insurance agent about covering are –Jewelry, wedding/engagement rings, antiques, fine art, collections, cameras, computers, musical instruments, specialty sports equipment.
If you are interested in getting the comprehensive coverage your valuables need give us a call at Randy Jones Insurance Services in Pleasanton, California. Our dedicated team has a wide range of coverage options to meet all your insurance needs. Contact us to get covered today.
