Are there gaps in your personal insurance?

 In Blog, Insurance

Did you know that in 2016 there was an estimated 1.5 million burglaries in the United States, with 3.6 billion in property loss?  The average loss per burglary is $2,361.  Now, hopefully, if you were one of those 1.5 million burgled, you had the right coverage for your property and valued items.  Unfortunately, you probably didn’t.

Most homeowners assume that theft is covered in their homeowner’s policy and while some things may be, often the amount of coverage offered is restricted on certain items.  So, the camera and other equipment your use for your photography hobby may only be covered for $500, or not at all, (depending on your carrier)!

There’s no need to worry, there are steps that you can take to protect your home and valuables.

Step #1 – Talk to a professional

Be informed!  Talk with your insurance professional and review your current coverages.  Have a discussion with your agent about your valuables and possessions.

Step #2 –   Ask questions

Some general questions to get the dialog started:

  1. Is my wedding ring and other jewelry covered? For how much?
  2. Are my laptops and phones be covered?
  3. Am I covered for damage caused by my waterbed?
  4. Is the silverware handed down from my grandmother covered? For how much?

Step #3 – Get a FREE quote

Once you’ve talked with your insurance professional and reviewed your current situation, get a FREE quote to customize coverage that fits your needs.  There is no obligation, we’re here to help!

 

 

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