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Your valuables are covered under your homeowners policy… or are they?

April 2, 2014 by Sovereign Risk Solutions · Leave a Comment

Blue Valuable DiamondA widespread misconception is that if you have “Replacement Cost Coverage” on your contents, then all of your possessions would be replaced by your insurance carrier in the event of a loss.  Unfortunately, this couldn’t be farther from the truth.

Regardless of the overall policy limit, homeowners policies generally cap limits on “contents/personal property” coverage, and items may be subject to depreciation or excluded altogether.   [Read more…]

Filed Under: News, Personal Insurance · Tagged: Artwork, Collectibles, Furs, Guns, Homeowners Insurance, Jewelry, Personal Lines, Valuable Items

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