Should Antiques and Collectibles Be Insured Separately?

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.