How To: Insure Your Valuable Collection

Old_cameras_collection2It could be something you’ve spent years collecting. It could be a collection that has been passed down for generations. Whatever it may be, you know you would be devastated if something were to happen to your valuable collection.

Insuring your valuable collections is key to keeping your items protected. A typical homeowners policy is quite broad and covers things like furniture, clothing, and appliances. It also provides limited coverage for things like jewelry, silverware, furs, and firearms. These basic coverage’s usually provide homeowners with all the coverage they need. However, sometimes it is necessary to invest in additional coverage for extremely valuable items.

You may want to look into a valuable items policy. This type of policy will give you more protection. There are several items that can be covered with a valuable items policy including cameras, china, coins, firearms, furs, jewelry equipment, musical instruments, silverware, etc.

Policy holders can also specially list an item on their homeowners policy. For example, suppose your wedding ring is worth a large sum of money, make sure you have this individual item appraised and listed on your policy. This will protect you financially in the event that something happens to your item.

If you have any more questions about insuring your valuable collections—you can give your local agent at Community Insurance a call today. Otherwise, you can stop by one of our 4 locations to talk to an agent in person.

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