Insurance Check List Of What You Need To Insure
Is everything you own covered?
Have you ever wondered if you have the proper coverage for everything.
Trying to remember items that may not be covered under a normal home or auto insurance policy. In some cases there is extended coverage, but it's very limited. An example might be fine arts - yes you have some coverage, but chances are it's only $1,500 to $2,500 in total.
Most items on the list below will have some or a limited amount of coverage. Make sure you review any items below that require additional that will be required that's over and above a basic insurance policy.
In some cases you'll need to purchase a rider on an existing policy to extend coverage. By scheduling certain items you can also include coverage outside the home or worldwide coverage.
Make sure to consult with your insurance provider, agent or broker for any items you want to make sure are covered at a replacement cost level or RCE vs. ACV (actual cash value). ACV will only pay the used value of on item vs full replacement cost, like buying it new today.
Here's a list to review and maybe help remind you if there are things that needed extra insurance.
For a free consultation about coverages call and speak with one our licensed team members at 314-569-1010 or for online quotes click HERE.
You might want to create a home inventory checklist
|2nd Home, Cabins, or Rentals|
|Antiques, Fine Arts, |
|Auto-Any Joint Ownership|
|Auto-Any Uninsured, or Insured Elsewhere|
|Auto-Campers, Camper Shells, Bed Covers|
|Auto-Stereos, Amps etc.?|
|Auto-Tires Wheels, Add On's|
|Back Up of Sewers or Drains|
|Building Code Upgrade|
|Business, or Private Lessons|
|Cash or Securities|
|Children @ College|
|Clients Or Customers Come to Home|
|Computers On or Off Premise|
|Fine Arts |
|In or Out Servants|
|Jewelry Watches Furs|
|Other Structures, Fences, Garages, Sheds|
|Personal Property Inventory|
|Planning-Living Trusts & or Wills|
|Planning-Long Term Care|
|Professional Tools of Your Trade|
|Refrigerated Property Coverage|
|Roomers or Boarders|
|RV-ATV, Motor Cycles,|
|RV-Boats, Jet Skis etc.|
|RV-Travel Trailer, or Utility|
|Silver Or Gold Ware|
|Stamps or Coins|
|Swimming Pools |