The holidays are approaching — a time of giving, sharing andbrcaring. While many choose to give or receive jewelry or other valuable gifts,brthey often are unclear on how to insure these items. Many people think theirbrhomeowners insurance covers the full value of all of their belongings. This maybrnot be the case: although your homeowners policy may offer great coverage, itbrtypically has deductibles and coverage limitations. So how can you avoid abrgap and make sure you have the coverage you want?
Add a floater
Scheduled Items Floater coverage (also called Personal Articles Floater) isbrdesigned to cover your valuable property that may be excluded from or havebrlimited coverage under your homeowners or renters policy. Such property maybrinclude:
- Jewelry
- Paintings, sculpture, and other works of art
- Cameras, musical instruments and firearms
- Antiques
- Collectibles
- Personal computers and electronics
- Silverware, goldware, and other high valuebr precious metalware
Get prepared; stay prepared
Call me — I can help you review your policy so you know what coverage you havebrfor valuables, whether there are special lower limits and when those specialbrlimits may apply. Then you can decide if you have the coverage you want forbryour belongings. If you don’t have enough insurance for your jewelry, artworkbror other unique valuables, you’d rather know now — not after you sufferbra loss.
The Kevin Hendricks Agency of Farmers Insurance is a group of experts who focus on you, and help you select the best insurance for your individual needs. Whatever your situation may be, we will create a custom solution for your complete protection.
We're authorities on insurance, and will assist you in determining what fits your needs best. We'll quote any type of insurance you need — large or small, we can handle it for you.
As your personal Farmers agent, my staff and I are always ready come to your assistance quickly and personally. We provide superior personalized, professional service, and, of course, you can depend on the insurance coverage we provide.