为你家里的贵重物品投保指南

Your home is filled with items that hold both sentimental and monetary value. From treasured family photos to a favorite chair, these are the items that make your house a home. But did you know that not everything of value is covered by your regular homeowners insurance policy?

虽然很多项目都包括在内, there are certain valuables that may require additional insurance coverage, 有时以骑手或漂浮者的形式出现. To make sure you're insured for all the things that matter most, it's vital to look over your insurance policy carefully with your financial professional or insurance agent and take any necessary measures to close gaps in your coverage.

房主大发888dafa政策通常包括哪些内容?

A standard policy covers, in general, damage to your home and belongings. There are usually coverage limits in place for the items in your home. 这些个人财产大发888dafa限额因保单而异, so it's important to check with your insurance provider to find out what these limits are.

Normal items in your home that aren't particularly high-end or expensive (think those that can be easily replaced) will likely be covered.

一些例子包括:

• 书
• 常规电子产品
• 电器
• 办公用品
• 玩具
• 节日装饰

可能需要额外大发888dafa的项目

稀有或昂贵的物品, most homeowners policies limit the amount of coverage the policy will cover. For complete protection you may need to purchase a floater or an endorsement. An endorsement is a type of rider that comes at an additional cost but will provide you with extended insurance coverage for items that are worth a considerable amount of money.

其中一些项目包括:

• 古董或昂贵的家具
• 高端电子产品
• 珠宝首饰
• 纯银
• 艺术收藏
• 某些传家宝

进行房屋盘点

It's important to take the time now to conduct a home inventory of all your personal belongings. 这可以证明是非常有用的, 有时甚至是必要的, 如果有东西损坏或被盗.

To create your home inventory, start by dividing all of your items into three separate categories:

• 不值得投保的项目
• Items that will be covered by your regular homeowners insurance policy
• 需要额外大发888dafa的贵重物品

It's important to know the estimated value of very expensive items. You may need to hire an appraiser who is licensed to document the costs of things such as jewelry, 古董, 或者艺术品收藏. Don't try to use general appraisal websites to estimate the costs of these items yourself, as these estimates won't hold any weight with your insurance company when it comes to proving the items' actual value.

贵重物品如何存档

There are three common methods you can use to document your valuables. 在大多数情况下, it's helpful to use all three to ensure that you'll be reimbursed correctly and in a timely manner by your insurance company.

方法1:视频

Record a video of all your belongings while you verbally describe what everything is and the estimated value of each item. Don't forget to include items that are stored in your garage or basement.

方法2:照片

一定要给每件贵重物品拍照. 然后, print the photos and write down what each item is and its estimated value on the back of each photo.

方法3:购买信息

Finally, make a list of the serial and model numbers of your valuables. These can be documented in a spreadsheet, which you can then give directly to your insurance agent. 如果你有高档商品的收据, hang on to those as well by scanning them and keeping them in a backed-up computer file.

Store all hard copies of the documentation in a fireproof safe or keep them in a safety deposit box away from your property (such as at a bank). 对于那些可以在线存储的东西, 比如扫描收据, home documentation software apps are available to help you keep track of the costs of your belongings.

做好准备，购买合适的大发888dafa是关键. If damage or theft occurs, being prepared will make a difficult situation much more manageable. With adequate coverage in place and an extensive home inventory, 你会得到所需的钱，以防万一发生损失.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品套件不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.