How many valuables do you have in your home? It is important to ask yourself this question before something terrible happens like a fire or robbery. Even if you have homeowner’s insurance, some of your valuable items may not be covered. That is why it is so important to buy extra insurance for these valuable items. Here are some of the household items you should consider insuring.
If you have a lot of expensive jewelry, you should definitely think about purchasing extra insurance for it. Your current policy may already cover some of your jewelry, but it definitely will not cover all of it. Get your jewelry appraised to make sure they are fully covered. If the value of your jewelry is more than the amount covered in your current policy, you should definitely buy additional insurance.
Artwork can be partially covered under your homeowner’s insurance policy. It is a very good idea to get your artwork appraised so that you know the true value of it. If the value of your artwork is more than the amount covered in your current policy, you should think about getting additional insurance.
It is a good idea to insure your pets because some home insurance policies do not cover pets. If your dog bites someone, you could be liable for the damages. Additional insurance for pets can also cover illnesses and injuries.
Computer equipment, such as a laptop and printer, can be very expensive and is not always covered under your normal insurance policy. If you are self-employed and use your computer equipment on a daily basis, you will definitely want to get it insured.
As you can see, some items in your house require additional insurance. It will cost you extra money, but it will give you a peace of mind. If someone breaks into your house or your house is on fire, your valuables will be protected. Talk to your current insurance provider about additional insurance. She will be happy to let you know about your options and advise you on the best policies.