Home insurance is crucial for protecting your belongings in Washington, PA, but does your policy provide sufficient coverage for high-value items like jewelry, fine art, and collectibles? Many people assume that their standard home insurance protects everything, but that isn’t always the case. It’s important to assess your unique situation to determine if you need extra coverage for your most prized possessions.
What Does Standard Homeowner Insurance Cover?
Standard home insurance typically covers personal property, liability, and dwelling protection, offering a safety net against events like fire, theft, and natural disasters. However, most policies come with coverage limits or exclusions for high-value items, such as art, jewelry, and collectibles. While general personal property is covered, valuable items often exceed the limits of a standard policy, leaving property owners underinsured.
Why You Might Need Additional Coverage
Valuable items, such as fine art, jewelry, antiques, and electronics, often exceed the coverage limits of standard home insurance policies. These items are also more vulnerable to theft, loss, and accidental damage, meaning if these events occur, you may not receive enough compensation to replace them. Additional insurance coverage ensures that your high-value items remain appropriately safeguarded.
Contact The Hansen Agency LLC for Insurance
You work hard to purchase and maintain high-value items for your home. Therefore, it’s important to protect your treasures against harm. The right home insurance coverage can provide the protection you need to keep your items safe and give you peace of mind.
Serving Washington, PA, and the surrounding areas, The Hansen Agency LLC offers comprehensive home insurance policies, including coverage options for high-value items. Contact us today to see how we can help you protect your valuables.
