If you’re a collector in Ft. Worth, TX, you might wonder if your home insurance policy can cover your valuable collectibles. The answer is maybe—it depends on the details of your policy. Here’s what you need to know about insuring your collectibles with home insurance.
What Does Home Insurance Cover?
Home insurance is designed to cover your home and your belongings in the event of damage or theft. Most policies will cover the structure of your home and your belongings.
However, there may be limits to how much coverage you have for specific items. For example, many policies limit how much they will pay for jewelry or other valuables.
Where Do Collectibles Stand?
For collectibles, it’s essential to check your policy to see what coverage you have for your belongings. Some policies will provide limited coverage for collectibles, while others may not cover them.
If you’re unsure about the coverage in your policy, speak to your insurance agent at Main Street Independent Insurance Agencies Inc. They can help you understand your policy and what coverage you have for your collectibles.
What If I Want More Coverage?
If you want more coverage for your collectibles, you may purchase a separate policy. This is a personal articles floater, and it can provide additional coverage for your valuables. It’s important to remember that this policy will only cover your collectibles. It will not protect your home in the event of a disaster, so it’s an add-on to your original policy.
At Main Street Independent Insurance Agencies Inc., we want to ensure you have the coverage you need for your home and belongings. Contact us today to learn more about protecting your collectibles in Ft. Worth, TX.