Insuring your most valuable possessions

high value items

Many homeowners assume that their home insurance policy protects all of their possessions, even those of extreme value. However, standard home policies provide only limited protection for high-value items. So how do you make sure your family heirlooms or precious jewelry are fully insured?

Adding an endorsement (sometimes called a rider or schedule) to your home policy for valuable possessions can provide coverage for their full worth. The process for endorsing valuable personal property differs by insurers, but many times you need to have the item(s) appraised. Based on the appraisal, your insurer will then extend the appropriate coverage for the item(s) to your home insurance policy for additional premium.

Give us a call at 1-800-279-4010 if you want to learn more about endorsements or have questions about your insurance coverage.

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