Homeowners Valuable Items Insurance Coverage is an important policy about which you, as a homeowner, should be highly aware. Have you ever stopped to consider the potential loss you could experience if your home were burglarized?
Statistics tell me you should!
According to the latest numbers, somewhere across the nation, one of every six homes will experience this invasion and result in an average $1,675 in monetary loss… and immeasurable trauma caused by the event. Often, the emotional connection to our valuables is tremendous when it comes to potentially irreplaceable valuables.
Looking to the best benefit of my clients, I ensure I have carriers who provide unique coverage, competitive prices and great value. Not every homeowner senses the value of having flexible coverage options for valuable articles coverage, but if you want to avoid becoming a statistic – the coverage is there for you.
Are you unsure if the product is something you need? All you need to do is make an assessment of your valuable items such as heirloom silver; jewelry passed from generation to generation, art or other valuable personal belongings.
Note: Typical homeowners policies do not cover these separately classified precious items; however, there are multiple options available to protect your valuables. The following are suggested items for which you might want to provide more protection: jewelry, silverware, stamp and coin collections, musical instruments and electronic equipment.
You will want to secure a policy that offers an agreed-upon value for each item, with no deductible, and a claims experience that can be straightforward and simple. You might also want to inquire about “grouped insurance” alternatives where you don’t list each individual piece, but receive blanket coverage for items such as fine art, collectibles, breakable glass, cameras, furs, jewelry, and silverware.
Making MORE happen for my insurance clients…
Arizona Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years