Insurance Checklist Of What You Need To Insure

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Is everything you own covered?

Have you ever wondered if you have the proper coverage for everything?

Home insurance checklist

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-Gap Coverage
Auto-Stereos, Amps etc.?
Auto-Tires Wheels, Add On's
Back Up of Sewers or Drains
Board Member
Building Code Upgrade
Business, or Private Lessons
Cash or Securities
Children @ College
Clients Or Customers Come to Home
Computers On or Off Premise
Daycare Exposure
Earthquake Coverage
Farming Exposure
Fine Arts 
Golf Equipment
Health Insurance
Identity Theft
In or Out Servants
Jewelry Watches Furs
Musical Instruments
Other Structures, Fences, Garages, Sheds
Personal Injury
Personal Property Inventory
Pets Detail
Photography Equipment
Planes, Hangers
Planning-Disability Coverage
Planning-Life Insurance
Planning-Living Trusts & or Wills
Planning-Long Term Care
Planning-Personal Umbrella
Planning-Retirement Plans
Professional Tools of Your Trade
Refrigerated Property Coverage
Roomers or Boarders
RV-ATV, Motor Cycles,
RV-Boats, Jet Skis etc.
RV-Golf Carts
RV-Travel Trailer, or Utility
Silver Or Gold Ware
Sporting Equipment
Stamps or Coins
Swimming Pools 

Auto insurance checklist

If you have ever added any additional accessories on your car like aftermarket tires and wheels, high end audio, or other improvement features, you want to make sure they are included in your car insurance policy.

List out your improvements and the cost

Wheels / tires
Special paint
lift kits
handling packages

About the Author

John Espenschied is a long-time veteran of the insurance industry. He has worked in various positions within the industry for over 20 years, and for the past 15 years, he has been the owner and operator of Insurance Brokers Group, an independent insurance agency. John loves advising people on the insurance that meets their needs and goals, whether it be for personal or commercial purposes.

John is married to Melissa, and they have three children together, as well as three grandchildren. In his spare time, John enjoys golfing and playing in the golf league, biking to their local brewery along the Missouri river, and going on motorcycle rides when the weather is nice.

John Espenschied

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