Personal Articles Insurance
If you have a homeowner's or a renter's insurance policy, then you already care about your personal property and belongings. After all, you've worked hard for the things you have, and you know that it's just not a good idea to leave it all up to chance. But did you know that your homeowner's policy probably doesn't cover everything under your roof?
It's an inconvenient truth, but something to be mindful of nonetheless. If your home is damaged in a fire, then you would likely receive coverage for the structural damage, and many of your important possessions. However, not everything may be covered. Likewise, if your personal belongings are significantly damaged or lost in a way that is not under your home or renter's insurance policy (like many events that don't damage the house itself), then you'd be out of luck.
Fortunately, at Evantra Insurance Solutions, we don't want California homeowners to worry. This is why we highly recommend a personal articles insurance policy.
What is Personal Articles Insurance?
Just as its name suggests, a personal articles policy is specifically designed to cover your possessions. There are a lot of different types of items that may be covered, providing that they are not included in your homeowner's or renter's policy / exceed the coverage amount of your existing policy. While a personal articles insurance policy will not outright replace the damaged item, you may receive sufficient compensation to either replace the item, repair it, or otherwise cover your losses.
Types of Things Covered Under Personal Articles Insurance
Many different types of items may be covered under personal articles insurance. Examples include (but are not limited to) the following:
- Art Collections
- Cameras and Related Equipment
- Electronics (including computers)
- Golf equipment
- Musical Instruments
- Fine China / Collections
Have more questions about what may be covered in your personal articles insurance policy in California? At Evantra Insurance Solutions, we're ready to sit down with you and make sure you have the coverage you need. Give us a call today!