Does my Americus, GA home insurance cover my special valuables?

Home insurance is a must when protecting your family in case of disaster. If you are the victim of a fire or burglary, your insurance will help compensate you for the losses so you can move on. However, there are some limitations to how certain items may be covered. Client First Insurance Solutions in Americus, GA can help you understand your policy and whether you need more protection for some of your valuables.

Your Homeowners Policy and Sub-Limits

When you chose your homeowners policy, you agreed to a certain total amount of coverage. For instance, if your house and property are worth $150,000, you may have chosen a policy for $200,000 so that your belongings would also be covered.

Within that total amount, there are sub-limits on certain kinds of loss. Items with sub-limits typically include:

  • Jewelry
  • Fine art
  • Furs
  • Computers
  • Guns
  • Musical instruments
  • Stamps

A typical sub-limit amount might be $1-5,000 for your jewelry. That is because your homeowner’s policy is supposed to protect your entire home and your belongings. 

Adding a Rider To an Existing Policy

You can protect certain valuables without enough coverage by adding a rider to your existing policy. Read your policy carefully and ask your agent what extra protection you need.

Making a home inventory may seem overwhelming, but we can help you find a way that works for you. Having an inventory of your home is essential to ensuring that you have the right amount of coverage and know what items have been destroyed or stolen. 

If you have any questions about home inventories or homeowners insurance, please feel free to call Client First Insurance Solutions in Americus, GA today.

Client First Insurance Partners with Ramsey Solutions

Kirk Lyman-Barner, President of Client First Insurance Solutions has been selected by Ramsey Solutions (Dave Ramsey) to become part of the umbrella of insurance providers endorsed by RamseyTrusted. This means Client First has undergone thorough vetting and ongoing training and has earned the respect of RamseyTrusted.

Kirk first discovered Dave Ramsey when he was working for Habitat for Humanity in West Virginia.  He worked with Financial Peace University (FPU) to eliminate his own debt and change his spending behavior, and he encouraged the prospective homeowners of Almost Heaven Habitat to complete FPU on their journey to become successful new homeowners.  When he launched Client First Insurance Solutions, he partnered with another Ramsey fan, Tamma Phillips, V.P. of Operations, and they used the same principles to build the financial management practices that guide the Client First Agency.

Client First has regularly scheduled coaching sessions with its RamseyTrusted Pro, who helps to keep them pursuing the missional, heart-of-a-teacher mindset that RamseyTrusted stands for. This commitment to ongoing training is a symbol of Client First’s promise to put serving over selling as it always has. The client comes first.