Accidents happen. Make sure you’re covered.
Valuable possessions insurance provided by Strickler Insurance.
Valuable possession insurance is pretty self-explanatory, but what you might not know is your valuable possessions might not be fully covered by your home insurance. That is right. While your home insurance covers a wide variety of things, not all of your valuable possessions fall under that coverage. Contact Strickler Insurance to find out what is covered under your insurance policy.
Get Valuable Possession Insurance You Need From Strickler Insurance
Lost or stolen valuables, a priceless piece of art that burns in a fire or a diamond ring that slips off of your finger. All of the valuable items could be covered by valuable possession insurance. Contact Strickler Insurance for a free quote on insuring your valuable possessions.
What Is Valuable Possession Insurance?
Valuable Possession Insurance is an insurance designed to provide coverage or more coverage on your valuable possessions. If you have items like jewelry, guns, artwork, valuable collections, historic items, or expensive electronics, this coverage can make sure they are protected in the case of a house fire, theft, or damages.
How Does Valuable Possession Insurance Work?
First, you get together your valuable possessions. Next, you get their value appraised. With that appraisal value, the insurance agency is able to more accurately quote your valuable insurance coverage. When you need to file a claim because your valuable property was stolen you will be covered and can have peace of mind.
The Benefits Of Valuable Possession Insurance
Essentially protection on your valuable possessions picks up where your home insurance leaves off. While home insurance might only be able to cover a certain amount, this insurance can fully protect your personal items. Home insurance is also limited to covering your property, but if you were to wear your valuable property or take one of your valuable possessions off of your property, it would still be covered with valuable possession insurance.
Do I Need Valuable Possession Insurance?
Only if you have possessions of value. What we mean is most general possessions are covered in typical home insurance coverage. Valuable possessions aren’t always covered and only a certain amount of coverage might be accounted for those valuable possessions. If you have a wedding ring or any valuables you want to be protected then you need valuable possession insurance.
The Two Types Of Valuable Possession Insurance
With valuable possession insurance, you can opt for two different routes. You can be covered for the replacement value or be protected for the market value. What is the difference? Replacement value can be a bit cheaper. For instance, you are covered to have the item replaced. If your original painting of the Mona Lisa burns up, you are covered for a replacement piece, not the market value. The replacement is simply a copy (since there is only one original).
The market value is much more expensive and the return on the coverage will be equal to what you lost. This doesn’t always hold true depending on what is being replaced, so be sure to check with your insurance agent.
Get Valuable Possession Insurance From Strickler Insurance
Strickler Insurance is located in Lebanon Pennsylvania. Get your Valuable Possession insurance in Lebanon PA, Pennsylvania, or one of our neighboring states. At Strickler, we hope to provide the best Valuable Possession insurance. We provide Valuable Possession coverage in New Jersey, New York, Maryland, Delaware and Virginia. Contact us today for a free Valuable Possession insurance quote!
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