Most home insurance policies provide a wide array of coverage on the home you’re your personal property. However, one policy area that is purposely weak when it comes to coverage is when it applies to certain items such as jewelry, artwork, and collectibles.
The countdown to Christmas is in full swing even as Black Friday and Cyber Monday appear in the rearview mirror. Shoppers do have 4 more weeks before Christmas arrives, so if you haven’t found that perfect gift for the love of your life, you have time! If you’re planning on popping the question to the person you want to share your life with, take a few minutes to think about scheduled jewelry insurance for the ring that says, “I love you!”
The countdown to Christmas is in full swing. In case you’re wondering, there are 17 more shopping days till Christmas, although it would be hard to not know that based on the advertisements on TV, radio, and everywhere else. Even on Monday night football, ESPN has its Zales Extraordinary Moments and there’s ever present “diamond kind of love.”
When was the last time you thought about your insurance? Any kind? Most people don’t think about insurance, whether car, home, or business, except at different times including the purchase of a new car or adding a teen driver, buying a home, when a baby arrives, or when starting or growing a business. Some people may think about their insurance when it renews, and everyone thinks about it if when they have a claim.
I received a text message from one of our car insurance clients last week. Her car had been broken into and a ring was missing. She wanted to know if the loss of the ring was covered by her car insurance. It’s not; whenever an item that is not a part of the car is stolen from a car, it’s considered a home insurance claim…
Today, my wife, Sheri, and I are driving from Dallas to Tuscaloosa, Alabama to celebrate and support my niece as she marries one very lucky guy! It will be a great time celebrating their love and cheering them on, not to mention the family entertainment that usually accompanies a gathering like this.
?Early in my career I met with a client to review the changes we’d made to her homeowner’s policy. She’d completed a remodeling project so we updated the amount of coverage on her home. She gave me a tour of her home and then we sat down at the dining room table to review the policy changes. There were 4 beautiful paintings hanging on the walls and I asked her if they were originals. With pride, she beamed they were. The value of the paintings was about $32,000.00. We had discussed everything else except the artwork.
Understanding what’s in a home insurance quote and policy is the first step in learning how to buy home insurance. The first two parts looked
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