The agents of Advantage Insurance Network understand Cincinnati, OH residents’ concerns when it comes to having the right amount of homeowners’ insurance to protect their possessions. While most of your possessions will be covered in general, you may have specific items that are significantly more valuable than the others. In this case, those items may need to be insured separately so that you are fully compensated for their loss if they are damaged or stolen.
A Complete Video and Written Inventory of Your Possessions
It’s essential for you to know what you have so that you can be fully covered by your homeowner’s policy. Providing your insurance agent with a complete written inventory of your possessions is the best way to accomplish this. A video is also beneficial because you can record all of the vital numbers associated with each item. The agent will also be able to see each item’s condition and will be able to attach a replacement value so that everything is properly covered.
Antiques, Collectibles, and Other Valuables
Antiques, collectibles, and other valuables like jewelry and family keepsakes, may hold substantial value over and above their general replacement cost. Insuring these items separately will take into account their additional value and provide additional compensation if they are ever lost, damaged, or stolen. In situations like this, it is important that you have each item appraised so that you know its actual value before contacting your insurance agent.
In Cincinnati, OH, the reputable agents of Advantage Insurance Network can help you determine what possessions can be insured under your traditional homeowner’s policy and which ones need to be insured separately. Call or visit their office today so that you can get the insurance coverage you need to feel adequately protected.