Do you have a diamond ring? A fur coat? Even a stamp collection? If so, are you sure that it is covered correctly under your home insurance policy? You might be surprised to find out that items such as jewelry and furs have a specific limit of coverage under a standard homeowners insurance policy. Not only that, but the coverage would be subject to your homeowners deductible as well!
What is the solution you ask? Schedule your valuables!!! Take inventory of what you have and call your insurance agent. They can add a scheduled personal property endorsement onto your homeowners insurance to insure that you have the correct amount of coverage for those items. Also, scheduled personal property is not subject to a deductible!
Don’t wait until your ring goes down the drain, or your dog gets a hold of your fur coat. Call your agent today and make sure you have coverage for your valuables!!
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This is an excellent article . I enjoyed reading it and am likely to reread it again soon so I can revisit some of the points that I want to consider.