Make Sure the Presents Under the Tree Are Wrapped with a Protective Policy
The gift-giving season is here! Whether your gifts are wrapped and under the tree, or you’re waiting to go last-minute shopping, you may be receiving – or giving – some valuable items. While you may have found a new TV, stunning jewelry, or a vintage find for your loved one, protecting them and ensuring they get into the right hands is just as important. In addition to securing your reliable homeowners insurance, heed the following advice for protecting your valuable gifts.
Many homeowners are under the misconception that their home insurance covers all of their personal belongings. However, there are often exceptions. The value of your affluent items may exceed your homeowners limits of coverage, meaning you will be on the hook for supplying the difference if they were lost or stolen.
Whatever you’ve purchased, make sure you hang on to the receipt. This helps to show how much you paid for the item. If you’ve purchased expensive jewelry and electronics, they can be assessed and insured to make sure that if they are ever lost or stolen, at least their monetary value is recoverable.
Talk to your insurer about securing the right insurance coverage. If you have items of value in your home, ones that exceed your current coverage, you may need to consider increasing your limits or taking out a high-value home insurance policy. Your insurer will be able to advise what is best for your unique situation.
To protect your belongings over the season, avoid placing gifts within plain sight of windows and doors. Additionally, be careful with the trash you throw away. If a burglar sees that you’ve left out the cardboard box of a new TV for collection, it could provide them with an incentive to steal from your home. Make sure you collapse boxes or take them to the recycling center yourself.
At Nahai Insurance Services, we are committed to protecting affluent homeowners against the many perils they face throughout the holiday season. Our home insurance policies are tailored to meet your unique needs and offer reliable coverage to secure your valuable belongings and assets. For more information, contact us today.