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Checklist: Insuring your Valuables North Carolina

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

Local Companies

Wachovia Insurance Services, Inc.
(704) 553-0419
6100 Fairview Road
Charlotte, NC

State Farm - Tracey Winters
(704) 971-1133
10230 Berkeley Place Drive
Charlotte, NC

HomeInsurance.com
910 452 1000
4829 Carolina Beach Rd.
Wilmington, NC

Futurity First Insurance Group
(704) 280-8420
2015 Ayrsley Town Boulevard
Charlotte, NC

Hartley Insurance Agency, Inc.
(704) 633-5000 E 112
309 N. Main Street
Salisbury, NC

Teresa D Snider Agency
336-788-4499
1141 Trademart Blvd
Winston Salem, NC

Black Opal B Rl Est
(828) 891-5585
10 One Penny Dr
Hendersonville, NC

Yon Real Estate Services Llc
(919) 846-0011
Raleigh, NC

Smith Susan Knee Rl Est
(704) 375-0035
2147 Malvern Rd
Charlotte, NC

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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

Featured Local Company

Wachovia Insurance Services, Inc.

(704) 553-0419
6100 Fairview Road
Charlotte, NC

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