Does Home Insurance Cover My Personal Property?

It’s important to know what is and isn’t covered with your home insurance policy. You want to make sure that all of your personal property is covered in Centralia IL. The good news is that you can work with Alcorn Insurance Agency to get the coverage that you need.

A standard policy will cover four aspects of coverage. This includes your structure, your personal belongings, liability protection, as well as additional living expenses in the event that you cannot live in your home for a specific amount of time.

Within the coverage for personal belongings, it includes your furniture, clothing, and various other personal items. If there is a theft, hurricane, fire, or other insured disasters, most of your personal property will be covered in your Centralia, IL home.

It’s a good idea to conduct a home inventory so that you can be sure that all of your personal belongings are identified. It will also give you a chance to value everything. If you have a number of expensive items, such as jewelry or collectibles, they may go above the allotted dollar amount on your policy. However, you can often add a rider to your policy so that you have the coverage for these items as well.

Other personal property, such as what may be stored off-premises, may also be included. You will want to read the fine print of your policy to find out what is and isn’t included so that you don’t get any surprises when you have to file an insurance claim.

Ultimately, you want to make sure that as much of your personal property as possible is encompassed within your home insurance policy.

Contact our independent insurance agents at Alcorn Insurance Agency today. We can review your existing home insurance policy and make recommendations on how to ensure that all of your personal property is protected.