{"id":14590,"date":"2020-12-18T06:13:30","date_gmt":"2020-12-18T12:13:30","guid":{"rendered":"https:\/\/www.richmondamerican.com\/blog\/?p=14590"},"modified":"2020-12-18T06:13:30","modified_gmt":"2020-12-18T12:13:30","slug":"items-special-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.richmondamerican.com\/blog\/items-special-insurance-coverage\/","title":{"rendered":"Household Items That May Need Special Insurance Coverage"},"content":{"rendered":"\n<p>Homeowners insurance is a key part of owning a home. In addition\nto protecting your home, possessions and personal liability, check with your\ninsurance agent to be sure your policy covers any special items you may not\nhave considered. Read on for examples!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Jewelry<\/strong><\/h3>\n\n\n\n<p>Family heirlooms and other high-quality jewelry may need to be\nspecifically added to your homeowners insurance policy. Since value can vary\nover time, you may also want to have rings, necklaces, earrings, watches and\nbracelets appraised prior to insuring them and periodically thereafter.\nSelecting a secure location to store diamonds and precious metals is important\nas well to protect against theft, which can cause insurance rates to rise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Fine Arts<\/strong><\/h3>\n\n\n\n<p>Make sure expensive art is part of your policy. While likely\nirreplaceable, there\u2019s peace of mind in knowing you\u2019re covered for the value of\npaintings, sculptures and other pieces. We also recommend placing art in areas\nof your home where pets and children aren\u2019t likely to cause accidental damage. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Furs<\/strong><\/h3>\n\n\n\n<p>Though buying real fur coats is not as common today, the vintage variety are often passed down through generations.&nbsp;If you have a fur coat, check with your insurance agent about optional coverage for this type of apparel. Also, explore these tips about how to&nbsp;<a href=\"https:\/\/www.whowhatwear.com\/how-to-store-fur-coats\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">properly store furs<\/a>&nbsp;to help maintain their value over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Silverware and Fine\nChina<\/strong><\/h3>\n\n\n\n<p>This may come as a surprise, but quality silverware and fine china may also be worth adding to your policy. <a href=\"https:\/\/dengarden.com\/cleaning\/5-Tips-on-looking-after-Silver-Plate-Flatware\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Maintaining silverware<\/a>\u2019s shine is important for helping maintain its value as well. It\u2019s nice to be ready to use these items on special occasions while knowing that you\u2019re covered if anything happens to them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Firearms<\/strong><\/h3>\n\n\n\n<p>If hunting is your hobby or you own firearms, you will need to think about&nbsp;<a href=\"https:\/\/www.safefirearmsstorage.org\/safe-storage-options\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">safe storage<\/a>&nbsp;options, as well as adding insurance for these items. Your agent should be able to provide additional information on the best options for this type of coverage.<\/p>\n\n\n\n<p>Insurance is all about hoping for the best but being prepared in\ncase something unexpected occurs. Speak to your insurance agent so that you can\nfeel confident any particularly valuable possessions are covered under your\npolicy.<\/p>\n\n\n\n<p><em>Have additional questions about insurance? Contact our affiliate,&nbsp;<a href=\"https:\/\/www.americanhomeinsurance.com\/?webSyncID=8be3dba9-b700-d984-d968-c08a151cd152&amp;sessionGUID=33b12a9e-c3a0-69be-c13d-280de15b6963\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">American Home Insurance Agency, Inc.<\/a>, for more information!<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners insurance is a key part of owning a home. Be sure your policy covers any special items you may not have considered. Read on for examples, including jewelry, fine arts, furs and more. We\u2019ve also included tips for care and storage of valuable items.<\/p>\n","protected":false},"author":8,"featured_media":14595,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[4],"tags":[155],"featured_image_src":"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2020\/12\/jewelery2.jpg","author_info":{"display_name":"Brian Metzger","author_link":"https:\/\/www.richmondamerican.com\/blog\/author\/bmetzger2\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Household Items That May Need Special Insurance Coverage<\/title>\r\n<meta name=\"description\" content=\"Homeowners insurance is a key part of owning a home. Be sure your policy covers any special items you may not have considered. 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