Collections are a big part of many people’s lives and making sure they are safe is a top priority. That being said, you may not know for certain if your precious collection is covered under your typical home policy. For those that live in the Diamond Bar, CA area, the agents with Western Insurance Marketing Corporation can help you to find the home policy that is right for you.
A very basic answer to the question is my collection covered is, yes, to a certain extent anyway. Collections are covered under contents and if you have a collection that is not impossibly pricy or hard to replace or get new pieces for, your basic contents policy may be all you need. If you have a collection of very rare jewelry however that is worth millions of dollars, you are going to want to get a specific collection policy that insures each piece.
For those that want to build in collection coverage for their collections on their home policy, you can always add the items to the policy and have them named specifically with appraised values listed. This is a great way to insure your collection if you do not want to get collection insurance for the specific pieces. You are going to have to take the time however to let an agent go over the collection and include supporting documents that list things like values and that prove you own the items as well.
Collections are a wonderful thing but you need to make sure that they are properly protected in your home. For those that live in the Diamond Bar, CA area, the agents with Western Insurance Marketing Corporation can help you find the policy that protects your home and your collection.