The items we accumulate over time are very important to us. Personal belongings, for example, furniture, jewelry, sports equipment and clothing may be covered if stolen or destroyed in a disaster. The coverage extends to the limit you have selected on your policy under Coverage C. Typically, additional limits exist on specialty items such as jewelry, furs, and artwork, therefore, it is beneficial to keep a home inventory, photos of your items, and receipts in case you should ever need to file a claim.
Creating a home inventory is one of the most important lists you can prepare as a responsible homeowner. Start your home’s inventory by creating a list of your belongings and their estimated value, and noting the make and model number of your higher-priced items. Be sure to update your inventory annually to add new items you may have received throughout the year.
Limits are typically set at the time a policy is purchased and based on the replacement cost of the home.
To learn more about us, or to get a personalized free quote, call us at (941)203-8000.