Make certain to insure that wonderful Valentine’s Day Gift.


Put those wonderful Valentine’s Day gifts in a safe place.

Did you know that your homeowner’s policy limits the amount of coverage for certain items?

Items such as money, jewelry, furs, silver, antiques, boats, trailers, guns, fine arts and other collectibles among other items have limited coverage under a homeowner’s policy. For example most homeowner’s policies cover jewelry for only $1,000 in the event it is stolen. Is that enough coverage of you?

The coverage for these items may be increase by purchasing a valuable items inland marine policy. Many of these policies will cover items at an agreed value rather than replacement cost or actual cash value meaning you will receive the agreed value in the event of a loss. This becomes important when it is hard to place a value on the item. In the event of loss you will receive the agreed value you placed on the item. Many times you will have a $0 deductible and if you make a claim on the policy most companies will not remover your loss free discount on your homeowner’s policy.

Another factor is that many companies give you an extra discount on each policy you have with them. So if you add a valuable items inland marine policy your car insurance may get an additional discount.

At Spencer Insurance Agency we know price is important but we know your “True Cost of Insurance” can be much higher if you don’t have the proper coverage.

Check with us today to make certain that these important items and collectibles are properly insured. Spencer Insurance Agency doesn’t want you to be surprised when you have a jewelry claim.

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