Valuable articles insurance can protect any item in your home or on your property that has value. It could include jewelry and watches, furs, firearms, musical instruments and equipment, cameras, and other high-value items. If you have these kinds of items in your home, you will want to think about how to insure them against any loss.
At Affinity Insurance Partners serving Pittsburgh, PA, we want your valuables to be protected from every possible scenario.
Standard Home Insurance
Homeowners that are looking to protect valuables inside their homes will wonder if their home insurance will be enough. Sometimes it is enough if your items aren’t valued for more than one or two thousand dollars. That is often the coverage limit if you are going with your standard home insurance.
When you have a property that has a value beyond what your contents coverage may offer, you can purchase additional insurance through a rider or a separate valuable articles policy.
Insurance Riders for Valuables
The most common way to have valuable articles insurance is to add insurance riders for your valuables. These are also called insurance floaters. This would be a personal articles floater that will increase the amount of your premium by a little monthly or annually. Some riders do not require a deductible amount.
Individual Valuable Articles Policy
You may not like the options that come with having riders or additional coverage on your home insurance. If that is the case, you can purchase a separate policy for your valuable items called a valuable articles policy.
Get a Quote
When you have valuables in your home or on your property that will exceed your home insurance coverages, you will have more peace of mind if you purchase valuable articles insurance. At Affinity Insurance Partners serving Pittsburgh, PA, we want you to feel secure with your most precious items. Call us today for a quote.