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