6 Household Items You Should Insure
First, have the jewelry appraised and then add it to your policy or purchase a separate policy or rider. From the antique pocket watch your
engagement/wedding rings, jewelry is an important asset to include in your policy. Though your homeowner's or renter's insurance policy may already cover your jewelry, many policies have a limit well below the value of more expensive pieces.grandfather left for you, to your
2 Computers & Electronics
Similar to your jewelry, some home electronics may already be included in your policy. It is up to you to decide if that coverage is enough, or if more needs to be added. Does your home have a home theatre? Chances are you will require added coverage for your high-end speakers, large-screen TV, screens, amplifiers, etc.
If the artwork in your home stays on your wall, it may already be partially covered under your current policy. Similarly to jewelry however, you should have it appraised if you
In addition, if you ever showcase your artwork somewhere other than your home, a public liability policy will be required.suspect it's of value. If you do find that it is worth more than your policy covers, you may want to pick up some additional coverage.
Similarly to electronics, coverage of specialty tools and equipment varies between business or personal. Personal tools and equipment, such as power saws, lawn tractors, etc., may already be covered under your existing policy. However, if you own a lawn care or handyman business, and use those tools to work, look to your homeowner's or renter's policy for guidance or include the tools in your business insurance coverage if they're stored at your home but primarily used for your business.
Collectables can be thnigs such as; rare & unopened action figures, fragile porcelain or even old vinyl records. If you are unable to obtain a fair appraisal for such items, you as the owner would decide how much you believe your collections are valued at, and how much you need to add to your policy to cover them. If you believe your collectables are worth more than the coverage your home insurance policy offers for contents, you can opt to purchase additional coverage.
You think of your furry friend as a member of the family and not property, he or she could be part of your home insurance policy. Check with your policy to see its' insurances related to pets include health and liability insurance. If not, you can acquire the coverage.
If you would like to discuss your coverage options, please contact us today, we would be happy to help!
Senn Hometown Insurance Agency, Inc.