Personal Property Insurance: the Coverage that May Surprise You

You know you need a homeowners policy—but did you know you might need special types of coverage for certain items in your home? Personal property coverage can be a valuable supplement to your homeowners insurance, protecting such things like:

• Jewelry: That’s right. If your wedding ring is lost, your homeowners policy may not cover the full cost to replace it.
• Musical Instruments: That trombone you purchased so your child could join jazz band at school? It probably wasn’t cheap. And if something happened to it, you might be out of luck. Be sure to talk to an agent to ensure items like these are scheduled on your policy.
• Coins: That coin collection that took years to build could be gone in an instant, unless these items are included on your policy.
• Silverware: You guessed it. That silver service that you painstakingly polish for Thanksgiving dinner may not be entirely covered, depending on the value.
• Prosthetic Devices: If you need a prosthetic device to maintain your mobility, you’ll also want to protect it by scheduling these types of items on your homeowners policy.

Ask your Farm Bureau agent how this coverage can protect the things that matter most in your world!