While you take out insurance policies for your home and car, there are many other high-ticket items in your possession that also deserve protection. Your homeowner insurance policy might secure some objects under your roof, but items that are especially valuable need their own safeguarding. To truly protect your prized possessions, it’s important that you take inventory of them and talk to an insurance agent about valuable items coverage.

Why Do I Need to Take Inventory?

Under your homeowners insurance policy, you’ll typically get broad protection for your clothes, appliances, and furniture, as well as some coverage for guns, jewelry, and furs. Unfortunately, this coverage only applies when your belongings are damaged in your home, and it only provides a certain amount of coverage for theft and natural disasters. For example, it you have a piece of jewelry worth $10,000, you may only receive $1,000 if it’s stolen. If that item accidentally breaks or is lost, you won’t be covered at all by your homeowners insurance.

If you take inventory of your valuable items, as well as how much they cost, you can avoid paying out-of-pocket to replace them. More often than not, homeowners find that they’ve acquired many more valuable items over the years than they remembered. Between gifts, inheritances, and personal purchases, the amount of coverage you need may surprise you. For peace of mind, you should meet with an agent to reevaluate your coverage.

What Items Should Be Insured?  

As you look through your home, garage, yard, shed, and storage unit, keep an eye out for anything of unusual value. If you don’t know how much something is worth, it pays to have it appraised. This includes jewelry, guns, antiques, and musical instruments—even that old, out-of-tune piano in the living room. It also includes recreational items and vehicles, such as four-wheelers. You can even take out valuable items insurance for sums of money. That way, if you keep cash in your home or in a safe for emergencies, you’ll get your money back if it’s stolen.

If you’re looking for an insurance agent to help you find the coverage you need, reach out to Simmons Insurance Group of Southeastern Ohio. With locations in Coolville, Belpre, Marietta, Athens, Racine, and Pomeroy, OH, these agents have over 45 years of experience helping clients find policies that work for their lifestyles. This independent insurance agency is licensed and pursues continuing education as a member of the Professional Independent Insurance Agents Association. Visit their website to learn more about their offerings, or call (740) 667-3111 to speak with an agent today.