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

                                                      Recent Accounts:

Type                              Amount of Insurance                    Premium

Fine Art                         $631,983                                     $1,748

Sports Memorabilia         $425,000                                     $1,322

Art (prints, lithographs)    $282,000                                     $1,112

Entertainment

 (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.