How do you know that your personal belongings are covered under your home insurance policy? This is a tricky matter and a good reason to talk to a private, licensed insurance agent like one from Assure-Us of the Miami Beach, FL area.
Do a Home Inventory
Before you even step foot into an insurance agency, it’s important to know what you want to have covered by your insurance. Conduct a home inventory of anything that is of value and you’d want to replace. You can include items that are not on the premises, such as items you take on vacation in your RV or if you store some of your possessions elsewhere. In some instances, you may have coverage for at least some of the amount charged during the unauthorized use of credit cards.
Find Out the Particulars
The additional coverage you get on top of your homeowners’ insurance is typically known as personal belongings coverage. It will cover a percentage of the replacement value for items that are stolen, so if you have items that are more valuable you may want to have a floater that will provide you with more coverage.
You may not think of them as personal belongings, but trees, shrubs, and plants are included in standard home insurance policies in most cases.
It’s in your best interest to check if certain circumstances would not apply in terms of filing an insurance claim. Different companies have different exceptions when it comes to the causes of damage of your property and if you’d still be compensated.
If you have more questions or concerns or want to find out how to get your personal belongings insurance, reach out to Assure-Us which serves the Miami Beach, FL area.