Does my homeowners policy protect my jewelry and art?

Protecting your home in Hutchinson, KS is one of your main goals. You and your family depend on your home for protection and security.

Your homeowner’s policy through Rasor Insurance is a way you can make sure that if anything happens, you and your family will be able to recover and move on. With your policy, you can feel comfortable knowing that if your home is ever a victim of fire, natural disaster, theft, or vandalism, your insurance company will step in to help.

What Does a Typical Homeowners Policy Cover?

Most people don’t think very much about what the actual policy says. Your policy is basically a contract between you and the insurance company, and any coverage and limits will be spelled out specifically in that contract.

Your policy will have an upper limit of coverage and a deductible, which is how much you will have to pay before your claim kicks in. There are also limits for certain kinds of claims, such as limits on the structure instead of items within the home.

Specifically, your policy will protect the physical home itself and any outbuildings, such as detached garages or sheds. It will also protect most of the contents and treatments, such as major appliances and carpeting.

Your electronics and personal items, like books and clothing, are also protected under your policy. The problem is that the amount of coverage tends to be smaller for personal items, and your true valuables will probably exceed those limits.

If you live in Hutchinson, KS, you can help you look over your policy to see if you need more protection. You can probably get an additional policy or add on to your existing one. If you want help or have questions about your policy, please call Rasor Insurance today.