You hear about neighborhood thefts, but never think your home in Evergreen Park, IL 60805 is going to be broken into. However, you have plenty of valuable items in your home that make you a target. The same can be said about a damaging storm that blows through and causes potential damage to your roof, resulting in interior damage of your home. One measure that you can take is to make sure that your items with high monetary and sentimental value are properly insured. Here are four things you must make sure you have coverage on:
Jewelry – As a general rule, if you have expensive jewelry in the home, your standard home insurance policy is not going to cover the value of the pieces. It is important to have your jewelry appraised to find out if the value is within the limits of your policy. If it is not, then you may want to consider a separate policy to ensure that pieces are covered.
Artwork – You’ve heard the saying, “A picture is worth a thousand words,” but some artwork is worth more than a thousand dollars. If you have an expensive art collection or even just one piece of valuable artwork, you probably want to consider a supplement policy if it isn’t covered under your home insurance.
Electronics – You probably have 20 or more electronics in your home when you start counting the computers, iPods, tablets, stereos, DVD players, TVs and any other electronic device. If these items were lost, stolen or damaged, would you be able to replace them with no problem? There’s a slight chance that your homeowners policy won’t be large enough to cover all of those items, so you should check into extra coverage.
Pets – So, maybe this isn’t necessarily a household item, but your pet means a lot to you. Although there is no dollar amount that can be placed on your furry friend, you do want to make sure you can take care of him if he gets sick. You may want to speak to your independent agent about a pet-related liability policy.
The great thing about insurance is that it brings security and peace of mind. You can finally close your eyes and rest easy when you have adequate insurance under your belt. Contact your independent agent in Evergreen Park today to see how you can get started on checking on your current homeowners insurance coverage and adding the aforementioned overlooked policies to your plan.