When it comes to protecting your home and belongings, home insurance is a must. But what about those special items, the valuables that hold not just monetary value but sentimental value as well? Here at Johnson Insurance Agency, located in Lacey, WA, we understand the importance of ensuring your valuables are adequately covered.
What Does Home Insurance Cover?
Typically, a standard home insurance policy in Lacey, WA, covers the structure of your home, personal belongings, liability protection, and additional living expenses. However, there may be limits on the coverage for high-value items such as jewelry, artwork, antiques, and collectibles.
Valuable Items Coverage
Most home insurance policies have a certain limit for valuable items. If the value of an item exceeds this limit, you may need to purchase additional coverage, known as a rider or floater. This ensures that your valuable items are fully covered in case of theft, loss, or damage.
Getting Your Valuables Appraised
Before adding a rider to your policy, it’s important to have your valuables appraised. This will determine the current market value of the item and ensure you have enough coverage. Remember, the value of certain items like antiques and artwork can fluctuate over time, so regular appraisals are recommended.
At Johnson Insurance Agency in Lacey, WA, we’re here to help you understand your home insurance policy and ensure your valuables are adequately protected. Contact us today to learn more about our home insurance policies and how we can help protect your valuable items.
