YOUR CHERISHED VALUABLES
Your home or renters insurance policy has certain limits that may not be sufficient to cover some of your valuable possessions. Brooks, Todd & McNeil agents can help you determine if you need to protect certain belongings against theft, loss or damage with Valuable Articles insurance. It is sometimes referred to as “jewelry insurance” because people tend to be mindful of adding insurance protections for certain pieces of jewelry or expensive watches. Be sure to discuss with your independent insurance agent any jewelry you may own, including wedding rings, engagement rings, diamond jewelry, fine gems, watches and other valuable pieces of fine jewelry. Coverage can also be purchased for fine arts, silverware, coin collections, furs, firearms, and other types of valuables or collectibles.
SCHEDULE YOUR VALUABLES
Scheduled property is an itemized list of additional property you want specific coverage for on your home or renters insurance policy. You may have one item or several that warrant this personal property insurance. For just a few dollars a month, this coverage offers peace of mind. Should a covered item be lost, stolen or misplaced, the policy will reimburse you for the value of the item.
We encourage our clients to take a home inventory of their belongings so in the event of loss you can easily identify what needs to be replaced. Simply take photos or shoot video of what you own, including appliances, electronic equipment, items in your garage or shed, clothing, sports memorabilia, artwork, wine collections, musical instruments, jewelry, and other valuables. Write a list of your possessions or use an app or electronic device to keep inventory. Keep sales receipts of recent purchases, owner’s manuals and other documentation that proves ownership of your valuables whenever possible. Be sure to store your photos, video and lists in a safe place like a safe deposit box, fire-proof lock box or away from your residence. We can also attach your itemized list to your account with us.
Contact Us for Valuable Personal Property Insurance
At Brooks, Todd & McNeil, we take time to fully understand your insurance needs, including whether you have valuable personal property and jewelry that requires insurance above and beyond the personal property limits on your homeowners insurance or renters insurance policy. Contact our experienced agents at our offices in Torrington, South Windsor or Enfield to discuss your insurance needs with us.