Keep Your Items Properly Protected
Do you collect rare figurines? Baseball cards? Have your great grandmother’s pearl necklace? If you said yes to any of these questions, or you have any other type of collectable or valuable, you need to make sure you have the proper protection to cover these priceless items. Your homeowners insurance has limited coverage when it comes to insuring valuables, meaning you need protection beyond your standard homeowners insurance policy.
How can you be sure you have sufficient coverage for these priceless items? First, take an inventory of any and all of your collectables and valuables that you have in your home. It is suggested you have a home inventory checklist, or you record your valuables with a camera (make sure to save a copy for yourself). Next, you will need to have your items appraised by a qualified professional, it is wise to have these items appraised on a periodic basis. Appraisals will often times help speed up the claims process should anything happen.
Once your items have been properly appraised, you will need to review your inventory checklist with your independent agent to ensure you have the coverage you need to stay protected. It is also important to review your valuables with your agent so that he or she may discuss any items that might have coverage restrictions. Most likely, your agent will suggest you schedule your items, a benefit of this is you may eliminate or lower your deductible.
Not sure if you need to update your policy? Contact your experienced agent at Insurance & Mortgage Services in Batavia, Illinois. We work with you to ensure you have the protection you need at a price you can afford!