Christmas is a great time to think about traditions, family, and those we love.
Many of us have Christmas collectibles, Family Heirlooms and the like that are priceless to us.
Have you thought about whether these are covered on your homeowners Insurance.
I remember a sweet lady to went to add to her precious moments Christmas ornaments and found out her personal collection was worth almost $100,000. She just liked the ornaments.
These and many things in your home need extra coverages to adequately protect them.
Here are some examples of collection amounts and the price to insure them
Type Amount of Insurance Premium
Fine Art $631,983 $1,748
Sports Memorabilia $425,000 $1,322
Art (prints, lithographs) $282,000 $1,112
(movies/music) $250,000 $1,038
Trains $168,6000 $481
Sports- Cards, uniforms $150,000 $658
Antique Furniture $137,000 $549
Advertising Memorabilia $34,000 $193
Weapons (gun, ammo) $25,000 $165
Our policy covers - Burglary & Theft, Fire, Flood*,(*not available in all areas)
Natural Disaster, Breakage, Shipping & Transit
I want to see those trains!!!
So as we add to these collections, show them off, bring them out of storage or just admire them, check with me, or your agent and see if you are insured.