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is More!
AGENTS & BROKERS
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THIS MONTH'S
SAFETY TIP
Watch for
Spring Rains!
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• To reduce your insurance cost;
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Our professional staff analyzes your insurance requirements first from the viewpoint of RISK MANAGEMENT.
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Blanket Valuable Items & Scheduled Personal Property Insurance Keeping your belongings your belongings. Without your personal possessions, your house is just a home. When it's full of your possessions, though, it becomes a home. To fully protect these possessions you need more than your standard homeowners insurance. Standard protection covers most of your personal property, but it may not completely protect your most precious items -- jewelry, furs, silverware and other valuables -- from harm or disappearance. ADDED PROTECTION AVAILABLE Now there's a way to protect those little extras that make your home so special. To cover your silverware, the baby grand piano in your living room, your family heirlooms and other valuable items, you need to add Auto and Home's Blanket Valuable Items or Scheduled Personal Property endorsement to your existing Auto and Home package Plus, Renters, Condo, or Homeowners Policy. YOUR COVERAGE WILL INCLUDE: >"ALL-RISK" COVERAGE -- you'll be covered for almost any situation at any location, unless specifically excluded in the endorsement. Because Blanket Valuable Items provides coverage for a group of items, individual appraisals aren't required. >MUCH HIGHER DOLLAR LIMITS -- includes up to $50,000 per class for jewelry, furs and silverware with the Blanket Valuable Items endorsement -- and to the stated value for items insured under the Scheduled Personal Property endorsement. >NO DEDUCTIBLES -- with Blanket Valuable Items or Scheduled Personal Property, you receive the full amount of the items insured, with no deductible to pay. The cost of this valuable added protection? In most cases, only a few dollars a month. Which endorsement is better? We can help you decide which endorsement fits your needs. Here are two brief examples: >BLANKET VALUABLE ITEMS -- if you have similar items with modest values -- such as a 52-piece crystal set worth $5,000 and no one items is valued at more than $500. >SCHEDULED PERSONAL PROPERTY ENDORSEMENT -- if you have a piece of artwork that's valued at $15,000. With the Scheduled Personal Property endorsement, there is a specific amount of insurance for each item insured.
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