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Are Your Valuable Items Covered?
When purchasing your homeowners or renters policy, you may also want to ask your agent about covering your valuable items. While your standard homeowners or renters policy may cover many things, you may want to bump up your protection with valuables insurance, otherwise known as a Personal Articles Policy.
What is Valuables Insurance?
Valuables insurance is an extra policy that you can purchase to protect your most prized possessions. Items can range from fine jewelry, art, sports equipment, instruments, family heirlooms and more!
The policy will allow you to schedule an item up to a specific amount of coverage for full replacement, and typically, no deductible. You can rest assured knowing that the items that mean the most to you will always be protected.
How Do I Get Valuables Insurance?
The first step to take is make a list of the valuable items that you would like insured. Once you have the list put together, get the items appraised and document the prices. If it is a recently purchased item, you can use the receipt.
When you have all of this information, it’s time to reach out to your insurance agent about adding the Valuables Insurance coverage to your homeowners policy. When speaking with your agent, they will ask you for the list of items and their worth. That is why it is very important to get your items appraised to make sure you are getting the most accurate coverage.
Do you have valuable items that you would like insured? Give us a call at (303) 279-9700, or fill out the form below and one of our agents will reach out to you shortly.