homeowners insurance: TIPS YOU CAN USE: MAKE CERTAIN YOUR JEWELRY IS PROPERLY INSURED
- 10/17/08 04:47 AM
Many people overlook the need to properly insure their expensive jewelry,believing that it is automatically covered by their homeowners policy.While homeowners policies do cover jewelry, this insurance usually issubject to a much lower limit than the overall contents coverage. Thisreduced limit is called a "sublimit," and a typical sublimit is $1,500 forloss by theft of jewelry, watches, and precious and semiprecious stones.If your jewelry is worth more than the sublimit in your homeowners policy,you should consider purchasing specific insurance to cover it. Thefollowing is a good process to follow. * Arrange an appointment with us to review your jewelry coverage. Bring … (0 comments)
homeowners insurance: TIPS YOU CAN USE: Understanding your Homeowners Policy and Auto Policy
- 02/21/08 07:25 AM
Properly understanding your insurance policies is a must. While we realizethat an insurance policy may not make for exciting reading, you need to do it, and we haveseveral resources available to help you understand what your homeownersand auto policies do and do not cover. Let's take a quick look at the homeowners policy. It provides four primaryproperty coverages. * The dwelling* Other structures, like a fence or detached garage* Personal property* Additional living expense, in case you have to move out of your homeafter a loss The homeowners policy also covers your liability in case someone isinjured on your property. Your personal auto policy covers … (0 comments)
Many people overlook the need to properly insure their expensive jewelry,believing that it is automatically covered by their homeowners policy.While homeowners policies do cover jewelry, this insurance usually issubject to a much lower limit than the overall contents coverage. Thisreduced limit is called a "sublimit," and a typical sublimit is $1,500 forloss by theft of jewelry, watches, and precious and semiprecious stones.If your jewelry is worth more than the sublimit in your homeowners policy,you should consider purchasing specific insurance to cover it. Thefollowing is a good process to follow.
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