Most people have certain items they just can’t imagine ever losing, possessions they deeply cherish or that would be very expensive to replace. While your homeowners insurance is invaluable for covering the loss or destruction of many of your belongings (and damage to the structure as well), your policy might provide only partial coverage for your most cherished items.
The good news is that you can still protect the things that matter to you most, even if their not fully covered under your homeowners, with a scheduled personal property endorsement that is tailored to meet your specific needs. A scheduled personal property endorsement is not something that everyone talks about, but we at the Roberts Insurance Group can help you determine if it would be a good fit for you. Look around your house and make a list of your cherished possessions. Be sure to consider the following: Jewelry, Antiques, Art, Collections, Musical Instruments, Silverware/China, Autographed items, Rare or one-of-a-kind items.
Once you have taken inventory, make time to talk with us. We can determine if your prized possessions need more coverage then the standard policy provides. Remember also that it is wise to update your inventory every year to be certain newly aquired items are appropriately protected.
At Roberts Insurance Group, we can work with you to make surre you’ve got the coverage you need.
