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Southlake Style

Diamonds are forever … with the right insurance coverage

Nov 13, 2014 09:33AM ● By Dia

The holidays are approaching — a time of giving, sharing and caring. While many choose to give or receive jewelry or other valuable gifts, they often are unclear on how to insure these items. Many people think their homeowners insurance covers the full value of all of their belongings. This may not be the case: although your homeowners policy may offer great coverage, it typically has deductibles and coverage limitations. So how can you avoid a gap and make sure you have the coverage you want?

Add a floater
Scheduled Items Floater coverage (also called Personal Articles Floater) is designed to cover your valuable property that may be excluded from or have limited coverage under your homeowners or renters policy. Such property may include:

  • Jewelry
  • Paintings, sculpture, and other works of art
  • Cameras, musical instruments and firearms
  • Antiques
  • Collectibles
  • Personal computers and electronics
  • Silverware, goldware, and other high value precious metalware

Get prepared; stay prepared
Call me — I can help you review your policy so you know what coverage you have for valuables, whether there are special lower limits and when those special limits may apply. Then you can decide if you have the coverage you want for your belongings. If you don’t have enough insurance for your jewelry, artwork or other unique valuables, you’d rather know now — not after you suffer a 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.