Here at Bordelon we’ve noticed a recent uptick in the number of home thefts. Not only is a break-in unsettling, it can also cost you quite a bit of money to replace your stolen items like jewelry, art, electronics or expensive sports equipment like bicycles, if you do not have the proper insurance coverage. Many may believe that your standard homeowner’s insurance plan will replace your stolen items, but typically a standard plan will only cover a small, predetermined amount, an “inside limit,” for your items like jewelry or art. Be aware that items that are not scheduled are subject to your deductible. You may want to discuss increasing your blanket limit with your Bordelon Insurance agent. The best way to ensure that you get the full amount for your stolen items is to schedule them to your homeowner’s, condo or renter’s insurance plan.
Scheduling property in Washington:
When scheduling your expensive items to your home insurance, condo insurance or renter’s insurance, plan there are a few things that will make the process easier for you and your Bordelon insurance agent:
- Photograph items that are included in your valuables policy.
- Keep receipts or appraisal records, this makes it easier to establish a price value for your items.
- Keep appraisals up-to-date, as the value of items can fluctuate from year-to-year.
- Have a written record of items, update as new items are purchased.
- Update your policy with any new items you receive.
- Scheduled items are not subject to the deductible on your policy.
Scheduling your art, jewelry, cameras and electronics not only provides protection if your items are lost or stolen, but if your items break or fall victim to a mysterious disappearance, your items may be eligible for replacement. There are many items that can be scheduled to your homeowner’s or condo insurance policy, ask your Bordelon Insurance agent about specifics. Call the local insurance experts at Bordelon Insurance today and ask how we can help you add a separate valuables policy to your existing homeowners or condo insurance policy today! Your Bordelon agent can also assist you with an auto insurance or boat insurance policy. Give Bordelon Insurance a call or visit their insurance website 24/7 for more information.