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Couple with laptopPerhaps you've invested heavily in a new sports collection. You may have bought a pretty valuable camera to capture photos of your kids. In some cases, these larger purchases warrant a closer look at your home insurance coverage. Most policies provide protection for your household goods and belongings, but they also have limits on how much is covered. If you are making an investment that's sizable and you want to ensure it’s protected by your home insurance policy, give your independent insurance agent a call for help with reassessing your coverage.

Personal Property Coverage Explained

Most personal property is covered under the contents portion of your home insurance policy. If it’s lost or damaged and the incident is considered covered, your insurance carrier can help you to replace it or compensate you for the loss. It's important to consider the type of coverage you have (actual cash value or replacement cost coverage) to know how much the carrier will reimburse you. But that's not all you need to do.

Do you have enough coverage? Your policy will present a specific coverage limit for your personal property. If you own valuables that are above this level, it may be time to make some adjustments. There are two main options available when you need to increase your coverage limit.

  • You can simply obtain a new policy that provides a higher level of coverage, which is often the ideal choice for those who are significantly under the value of their possessions.

  • You can also invest in scheduled personal property plans, which are additional policies added to your current home insurance that cover specific high-value items you name. This is best when you have a few very high value items you need to cover.

Think about the investments you make. If you are bringing something into your home that's highly valued, it pays to ensure your insurance coverage is adequate enough to cover it. This can help you to keep those valuables safe in the event of theft or fire loss. If you are not sure about your current policy, contact your agent for more information. You can also obtain quotes for a new policy that may fit your needs better.

Ensure your policy offers enough protection. Call Insurance Providers at (417) 623-8300 for more information on Missouri homeowners insurance.

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