Checklist: Insuring your Valuables Cape Girardeau MO

Homeowner's insurance typically covers the market value or the replacement value of your house and its contents.

Local Companies

Dalehousie Real Estate
(573) 651-6414
1533 Helmsdale
Cape Girardeau, MO
Harris Ray Rl Est Apprsr
(417) 881-3722
2128 S Cedar Hill Ave
Springfield, MO
Reece & Nichols Legacy Real Estate
(660) 826-9500
3405 W 10th St
Sedalia, MO
Cassell Real Estate
(417) 276-4433
Stockton, MO
Sprinkles Frank Real Est
(660) 826-4130
1710 W 9th St
Sedalia, MO
Strawn Cj Realtor Jay Abr
(573) 876-2824
Columbia, MO
Bulgin Real Estate
(573) 445-0426
2506 W Worley St
Columbia, MO
Tillman Charles H Rl Est Apprsr
(417) 886-6499
4718 S Sedgewick
Springfield, MO
Francis Gary E Real Est
(816) 233-4207
4412 Hunter Dr
Saint Joseph, MO
Stephens's Real Estate
(660) 385-8552
602 Elm St
MacOn, MO

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It can be difficult to put a dollar figure on household furnishings, and it’s tempting to estimate low to avoid big premiums. However, if unique or expensive possessions are stolen, broken or damaged, you will be glad to get financial compensation from your insurance company.

You should review the amount of homeowner’s coverage you have every year to determine whether it is too much or too little for your current needs. Events that might create a need for additional coverage include marriage, renovation and redecoration or an inheritance – any of which can mean acquisition of new and costly possessions.

Here’s a checklist of items that often have significant worth. Use it to make sure you’re taking into account all of your valuables and irreplaceable possessions when you are estimating how much coverage you require:

 

  • jewelry made with precious metals and gemstones
  • silverware, including solid cutlery, teapots, trays and vases
  • family heirlooms, including jewelry, toys, furniture, paintings and books
  • antique and hand-crafted furniture
  • hand-loomed rugs, carpets and tapestries, particularly those that are imported and/or antique
  • expensive or rare musical instruments
  • original paintings and other objets d’art such as bronzes
  • signed prints by well-known artists
  • antique china, crystal, cutlery, lamps, mirrors and other decorative items
  • custom-made and/or designer furniture and accessories
  • top-of-the-line/designer appliances
  • couture clothing, shoes, watches and accessories
  • furs
  • a cellar-full of vintage wines
  • collectibles, such as rare stamps, books, glassware and china

 

If you don’t know what antiques and family heirlooms are worth, you may wish to get them appraised. To get coverage for rare and extremely valuable possessions, you may need to add a rider to your homeowner’s policy. Consult your insurance agent, broker or your insurance company’s help line to find out.




Published on February 15, 2007

Read full article at realestate.com

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