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Theft of Personal Property and Your Home Policy

On your homeowner’s, condo, or renter’s policies, there are value and coverage limitations for certain types of your personal belongings. 

If you have a theft of such items as jewelry, furs, silver or gold items, firearms – these types of items have a dollar maximum limit for coverage if stolen.  For instance, a number of companies only have a maximum coverage limit of $1,000 if jewelry is stolen.  If you are concerned about these types of items being stolen and the dollar value of such a loss would be over the policy limit for theft, you might want to consider scheduling (specially listing these items) on your home policy.  Please contact us to discuss this coverage and the benefits of scheduling such items.