It may come as a surprise, but not all home insurance policies will protect your heirlooms or other valuable items. This exclusion is usually due to the unique and irreplaceable nature of the objects. In addition, many valuables come with a high price tag. It’s essential to find out if you need a separate policy for valuable items insurance.
Making sure that you have sufficient coverage is essential for your financial security, peace of mind, and safety. The Lake Region Insurance Agency staff can provide a free insurance review and help you get all the protection you deserve. Give us a call to check your rates.
As the name suggests, this insurance covers you if high-value items are lost, damaged, or stolen. This category can include jewelry, artwork, watches, and antiques. High-tech equipment such as televisions and sound systems may also have protection in this type of policy. Adequate coverage is vital for these special and unique items.
Taking care of your valuables should be a priority. You don’t want to be in the situation of saying, ‘if only’ once a disaster has occurred.
Most content insurance policies have an upper limit for the individual contents of a home. Usually, there is a cap of about $1500. This restriction means that certain valuables, particularly artwork, jewelry, and antiques, are unlikely to be covered. To ensure coverage, you most likely will need to take out a dedicated, specialized policy.
There are a couple of things you might need to provide before your insurance policy can take effect:
Here at Lake Region Insurance Agency, we are specialists in helping you find the right policies for your needs. As independent insurance brokers, we are not obligated to a particular firm or brand. This allows us the freedom to find the best possible coverage for your needs and situation.
When you have valuable items that you want to protect, we are here to make sure that happens. Our expert agents are on hand to review your policies so that you have the coverage you need in place. Call us today for a free consultation and enjoy the peace of mind it brings.
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