Valuable Items Insurance

When would a Valuable Items policy be needed? The protection provided for personal property under the typical homeowners policy is very broad, and includes coverage for your furniture, clothing, and appliances. In addition, it provides limited coverage for such items as jewelry, silverware, furs, and firearms. However, it may not cover some types of loss that may be important to you, such as the stone falling out of your diamond ring. In fact, most homeowners policies set dollar limits on the amount of protection offered to cover the theft of items such as jewelry or furs, firearms, or silverware. Optional add-on coverage to the homeowners policy is available to enhance coverage by providing higher limits and expanded protection for special property. This usually provides most homeowners with enough coverage.

Are your assets protected? Many people assume you must be wealth to be sued. This is not an accurate assumption. You can be sued regardless of income level.

Sometimes auto and home insurance liability limits are not adequate to cover court judgments. Once your primary liability limits are exhausted your insurance company has not obligation to continue you legal defense.

Umbrella liability policies are available to provide extra protection against catastrophic losses that exceed the limits of liability provided by their underlying policies. You can carry a personal lines Umbrella or a Commercial lines Umbrella. The cost is typically very affordable. Why risk all that you have worked so hard for? Call us today for a no obligation quote.