Do you know how much your Homeowners policy will pay in case you lose your guns, jewelry, or fine art collection? Generally, the special limits included in your Homeowners policy are as follows:
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Fine Arts
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$1,500
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Furs and Jewelry
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$1,000 (Theft Limit)
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Guns
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$2,500 (Theft Limit)
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Silverware, Goldware, Pewterware
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$5,000 (Theft Limit)
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Stamps
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$1,000
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Trading Cards
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$1,000
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Watercraft
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$1,000
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If you require higher coverage limits for any of the above possessions, D. Ward Insurance can offer you a Personal Articles Floater from one of our many carriers.
A Personal Articles Floater offers exceptional protection for your valuable possessions. A floater policy offers higher coverage limits and additional causes of loss above and beyond what your Homeowners policy may provide. If your property were stolen, would your Homeowners limits be high enough to replace everything? Also, when your valuable possessions are insured on a Personal Articles Floater, replacement cost coverage is provided for all risks (unless specifically excluded).
Coverage Limits for Personal Articles Floaters start in excess of the limits shown above. You may want to consider getting a separate Personal Articles Floater policy for each high-value possession you want to protect.
D. Ward Insurance would be happy to answer any questions you may have about Personal Articles Floaters or to begin the process of getting Personal Articles Floater for yourself. Call us today at 770-974-0670 or visit dwardinsurance.com to request a quote. We look forward to doing business with you!
Disclaimer: This report is for information purposes only and is not to be construed as definitions of policy coverages or limits. This report does not alter, amend, or change the policy wording and the intent of this report is to bring attention & to have a conversation with D. Ward about your insurance needs.