It’s the holiday season, and if you’re planning on giving (or getting) an item that you can’t imagine ever losing—possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or simply because they’re irreplaceable—then this article is for you.
While your homeowners insurance is invaluable for covering the loss or destruction of many of your belongings (as well as damage to your home’s structure), your policy might provide only partial coverage for your most cherished items.
The good news is that you can still protect the things that matter to you most, even if they’re not fully covered under your homeowners, with a scheduled personal property endorsement that is tailored to meet your specific needs.
A scheduled personal property endorsement sounds pretty boring, but the team at Titan Insurance Services LOVES to talk about it! All you need to do is look around your house and make a list of your cherished possessions, like:
Once you have taken inventory, give us a call. We are here to help you determine whether your prized possessions need more coverage than your current policy provides.
And while you’re at it, we always recommend that you take inventory once a year, because it’s easy to acquire new items over time that should be added to a scheduled personal property endorsement.