If you’re adding high-value items like fine jewelry, electronics, or artwork to your home this season, now is the perfect time to make sure they’re properly protected.
Here are a few things to keep in mind:
• Check your current coverage – Standard homeowners’ policies often have limits on items like jewelry, collectibles, and electronics. It’s worth reviewing your policy to see what’s already included.
• Consider scheduling valuable items – Scheduling (or adding a rider) provides more comprehensive protection and ensures each item is covered for its full appraised value.
• Keep receipts and appraisals – Documentation is essential if you ever need to file a claim. Appraisals for jewelry or artwork should be updated every few years.
• Take photos or videos – A visual inventory can make the claims process smoother and gives you a complete record of your belongings.
If you’d like help reviewing your coverage or scheduling newly purchased items, just let us know—We’re here to make sure everything that matters most to you is protected. Give our office a call 708-845-5466 or visit our website at www.meritinsurancegroup.com
