Christmas is Over…Let the Coverage Begin!

Congratulations! Make your first important financial step as a couple and get that ring insured.

The holidays have come and gone, and many of us are left standing in our living rooms trying to figure out how our Christmas decorations have managed to grow exponentially (and how to fit them back in our attics!) and staring at a pile of toys and gifts that need new places to belong throughout our homes.

Some of us though, need to take some additional steps with specific Christmas gifts.  That expensive diamond necklace that was a surprise from your sweetheart?  It needs some extra protection.  The new motorcycle sitting in your garage (a gift to yourself perhaps) needs to be properly covered.  We aren’t talking about physical protection and coverage though, although those are important.  We are referring to financial protection…a.k.a. insurance.

Many items in your home are covered by your homeowners insurance policy.  As we’ve mentioned in previous posts, your homeowners policy requires that you do a routine assessment of your possessions and make sure your coverage is adequate.  However, certain items (like luxury jewelry, weapons, etc.) may require extra coverage, since certain policies place “caps” on these things and will not insure them past a certain price point.

So, how do you know if your new goodies are covered in the case of an accident or robbery?  Don’t take any risks.  Make sure you talk to your insurance advisor and let them help you evaluate your current coverage, any new items, and your current insurance budget.  They can make sure you have a plan that will cover your possessions without breaking the bank.

If you don’t have an insurance advisor, and you are local to the Polk County area, give us a call!  We are here to serve our local friends and neighbors with quality, personalized service.  We don’t simply have “clients”…we build relationships with you and your family and seek to give you the very best advice regarding your insurance protection.

Start 2016 off the right way and make sure you’re covered!