If you’re like most people, there are certain items you own that you can’t imagine ever losing—possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or simply because they’re irreplaceable.
While your homeowner’s insurance is invaluable for covering the loss or destruction of many of your belongings (as well as damage to your home’s structure), 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 they’re not fully covered under your homeowners, with a scheduled personal property endorsement that is tailored to meet your specific needs.
Not an easy name, but it can help you sleep better at night
A scheduled personal property endorsement is not something that everyone talks about, we can help you determine if it would be a good fit for you. The first step begins with you. Look around your home and make an inventory of your cherished possessions. Be sure to consider the following:
- Musical instruments
- Autographed items
- Rare or one-of-a-kind items
Please keep in mind that it is wise to complete an inventory every year or so, because it’s easy to acquire new items over time that should be added to a scheduled personal property endorsement. It could be tragic to find yourself in a situation rendering you unable to replace what matters most to you.
We are always here to help you determine whether if your prized possessions need more coverage than your current policy provides.