The agents at Karla Salmon Insurance offer a variety of insurance policies to cover your every need. If you live in the Oviedo, FL area and own antiques or collectibles, it’s important that you know how to insure them against theft or damage. While some types of property may be included in a traditional homeowner’s policy, items that are irreplaceable or that hold significant value should be insured accordingly.

Make Sure You Have Adequate Coverage for Your Property

To make sure you have adequate coverage for your personal possessions, you need to have a full inventory of what you own. In some cases, a video inventory that shows an item’s serial number is beneficial in helping your insurance agent set a value to your property. A complete insurance audit will ensure that you are fully protected against financial loss in the event of theft or damage to your personal property.

Insure Antiques and Collectibles Separately

Antiques and collectibles can sometimes hold great value over and above a person’s sentimental connection. A separate policy can be written for specific antiques or collectibles if their value is exceptionally high. To insure an item separately, an appraiser will be needed to set an exact value so you can be compensated if it is ever stolen or damaged.

Residents of Oviedo, FL are encouraged to call the office of Karla Salmon Insurance if they have questions or concerns about an existing homeowner’s policy and whether or not it covers their antiques and other collectibles. Call today to schedule an appointment! This will allow you to protect your family heirlooms and collectibles to the fullest extent possible.

At Karla Salmon Insurance, we offer quotes for home insurance among many other lines of business. Home insurance provides coverage in case of damage to a home’s interior or exterior, loss or damage to property in the home, and liability coverage for accidents on the property. However, every home insurance policy has a liability limit. In case of an unfortunate situation, you will only be compensated that amount.

Facts About Home Insurance

1. A home insurance Policy is not a Mortgage Insurance

Mortgage insurance protects your lender from losing money in case you default because of illness or death. It offers a guarantee that you will pay the mortgage in full. While the purpose of home insurance is to protect homeowners, mortgage insurance protects the lenders.

2. A Home Insurance Policy Is Not a Home Warranty

A home warranty is an additional coverage to help with repairs and replacements. Home warranties cover specifics such as plumbing and electronics’ repair. Home warranties are diverse depending on your budget and situation. Even though both home insurance and home warranties cover you against unforeseen problems, home warranties are used to offer coverage that isn’t offered by home insurance. Home insurance, for example, doesn’t cover normal wear and tear.

3. Home Insurance Doesn’t Always Cover Natural Disasters

‘Acts of God’ such as floods, earthquakes, lightning, and strong winds aren’t usually covered by standard home insurance. For such insurance, you may need to buy additional coverage. It is crucial to talk to your insurance provider about it and find out which natural disaster if any, they cover.

Karla Salmon Insurance Agency in Oviedo, FL believes in personalizing our clients’ needs and working with them to find the right insurance policy for them. Our team is experienced, knowledgeable, and always willing to help.

Contact us or visit us in Oviedo, FL to get a free quote. Our agents are ready to work with you and help you get started on a home insurance policy.