Many people think of getting homeowners’ insurance when then purchase a home, but significantly fewer consider getting personal property insurance. While you may have some coverage of your personal belongings with your home insurance, personal property insurance covers all of your belongings, not just the building.
This type of coverage is useful in the event of severe damage to the inside of your home. Davies-Barry Insurance of Juneau, AK, will help you understand your coverage to make sure all of your assets are protected.
Here are some items that qualify for coverage by personal property insurance:
- Furniture & Appliances: These expensive items often feel like part of the house, but because they can move with you, they are personal property. This is a category covered by your additional insurance options, should they become damaged or destroyed.
- Valuables: Valuables can encompass various things to different people, but some of the most common ones include jewelry, collectibles, and even fine art. Additional personal property insurance can cover the gap left by the limits on personal property coverage of most home insurance policies.
- Electronics: Electronics have become a major part of everyone's lives, and you may have more items in this category than you think. Qualifying electronics include televisions, computers, and laptops.
- Clothing: Clothing is something you absolutely cannot live without, so you’ll need to replace your wardrobe in the event of a total loss caused by a fire or another disaster. Personal property insurance helps you replace your clothing quickly.
When you’re ready to find out more about how personal property insurance can protect your family, call the Juneau, AK, office of Davies-Barry Insurance at (907) 789-5900. They’ll make sure you understand exactly what your home insurance policy covers and help you get the extra property insurance you to need for full protection. You can also like them on Facebook for updates.