Valentine’s Day Has Past, But Your Risk Has Not

If you purchased an expensive item for your Valentine, make sure you get it insured. Most homeowner’s or renter’s insurance policies restrict coverage for items like jewelry over $1,000.  In addition, most policies cover named perils for fire and theft, etc. However, the policies may exclude coverage for the ring that gets flushed down the toilet -- that is unless the expensive item is scheduled. To cover such circumstances that the insurance industry has dubbed “mysterious disappearance”, you will need a valuable articles personal property endorsement on your homeowner’s or renter’s policy.
 
Examples of items that will need special coverage

• Guns
• ATV’s
• Boats
• Jewelry
• Art
• Collections of stamps, books, or coins
• Expensive wine
• Antiques
• Even some electronics

A simple call to our office can save you a lot of heartache latter.