So you have just purchased a lovely and expensive item, piece of jewelry or art for yourself or as a gift for someone you love. You can hardly wait to get it home to use it, or put it in place of honor, or see your loved one’s surprise and delight when they open your thoughtful gift and exclaim “Oh, my!” How pleased will that make you feel? Big smile, yeah, that feeling is worth it!
But don’t let the “Oh my!” be trumped by the “Oh, no!” that follows when you find out the item is lost, stolen or broken and you discover it is not insured under your homeowner or tenants policy!
Before it is wrapped, hung, or used make sure you call your insurance agent and have the item put on a schedule for the full replacement cost value of the item – not the sale value you may have paid. Items that can be scheduled are jewelry, furs, cameras, musical instruments, silverware, golf equipment, fine arts, firearms, collectibles, and computers.
Give your agent a call for more information or a quote on the cost that this coverage can bring you. Don’t let theft or loss be the Grinch that stole your Christmas smiles and happy feelings!
Fitts can help you with these coverages or provide more information. Don’t hesitate to give us a call.