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.
Here's a list to review and maybe help remind you if there are things that needed extra insurance.
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 |
Collectibles |
Computers On or Off Premise |
Daycare Exposure |
Earthquake Coverage |
Farming Exposure |
Fine Arts |
Flood |
Golf Equipment |
Guns |
Health Insurance |
Identity Theft |
In or Out Servants |
Jewelry Watches Furs |
Land |
Musical Instruments |
Other Structures, Fences, Garages, Sheds |
Personal Injury |
Personal Property Inventory |
Pets Detail |
Photography Equipment |
Planes, Hangers |
Planning-Annuities |
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 |
Rentals |
Roomers or Boarders |
RV-ATV, Motor Cycles, |
RV-Boats, Jet Skis etc. |
RV-Golf Carts |
RV-Motorhome |
RV-Snowmobiles |
RV-Travel Trailer, or Utility |
Silver Or Gold Ware |
Sporting Equipment |
Stamps or Coins |
Swimming Pools |
Trailers |
Trampolines |