A valuable item can take weeks-, months- or years-worth of income to purchase, but only a few seconds to be lost due to theft, natural disaster or other unforeseen events. Most homeowners insurance comes with a limited amount of protection for valuable items that is called blanket coverage. For your most precious items that exceed this limit a scheduled personal property endorsement or valuable items plus (VIP) property endorsement added to your existing home or renters policy can help make sure your prized possessions are protected.
Not sure what’s worth covering, or how much coverage you need? Not a problem. Your independent agent can determine what coverage provides you with the best value.