Are Your Holiday Gifts Protected?

January 4, 2012 at 9:09 AM | Posted in Home, Insurance Policy, Personal Insurance, Personal Property | Leave a comment
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Scheduling items such as jewelry, furs, and fine arts will insure them for the full replacement cost, regardless of the reason for the loss. There are two ways to list these items on your policy:

  1. Blanket Coverage – Items are placed in a category with a total dollar amount, which usually does not require an appraisal; or
  2. Individual Coverage – Schedule each item separately using the appraised value.

No deductible applies to either method.

We recommend having your valuables appraised on an annual basis to ensure they are properly covered.

Call us at 1-888-850-9400. We will be happy to help you determine the best method to protect these valuable items.

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