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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.
