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Your home insurance policy is designed to protect your belongings. Still, when it comes to high-value items like jewelry, fine art, or rare collectibles, your standard policy may not provide sufficient coverage. These treasured possessions often exceed coverage limits, leaving you underinsured in the event of theft, loss, or damage. At Rasor Insurance in Celina, TX, we offer comprehensive home insurance and add-on options to keep your high-value items protected.
1. Begin with a Home Inventory
Document all high-value items in your home. Take photos, keep receipts, and note any appraisals. This record helps you assess your coverage needs and makes the claims process simpler.
2. Obtain Appraisals for Your Items
Insurance companies often require a recent appraisal to determine the true value of high-ticket items. Professional appraisals help ensure you’re getting the right amount of protection and can make policy updates easier.
3. Review Your Policy’s Limits
Standard home insurance typically has sub-limits for certain categories. For example, jewelry might be capped at $1,500. That won’t go far if you own an engagement ring or antique necklace.
4. Consider a Scheduled Personal Property Endorsement
Typically referred to as a floater or rider, this optional coverage allows you to insure specific high-value items individually. It typically covers more risks, including mysterious disappearance, which standard policies may exclude.
5. Consult with Your Agent
Your insurance provider can guide you through the process and recommend the best coverage for your needs. Customizing your policy ensures you’re fully protected, without paying for unnecessary extras.
Secure the Home Insurance Coverage You Need
Adding extra coverage for your most valuable possessions doesn’t have to be complicated. Contact Rasor Insurance in Celina, TX, to discuss your unique coverage needs today.
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