{"id":2922,"date":"2020-04-02T10:00:00","date_gmt":"2020-04-02T15:00:00","guid":{"rendered":"http:\/\/ayala-insurance-service.one.zysites.com\/blog\/are-high-value-items-covered-by-home-insurance\/"},"modified":"2020-04-02T10:00:00","modified_gmt":"2020-04-02T15:00:00","slug":"are-high-value-items-covered-by-home-insurance","status":"publish","type":"post","link":"https:\/\/www.ayalainsurance.com\/es\/blog\/are-high-value-items-covered-by-home-insurance\/","title":{"rendered":"Are High Value Items Covered by Home Insurance?"},"content":{"rendered":"<p><span id=\"litH1\" style=\"text-align: left;font-family: Helvetica, Arial, sans-serif, 'Ubuntu';font-size: 20px;color: #363636;line-height: 24px;font-weight: 600\">Are High Value Items Covered by Home Insurance?  <\/span><\/p>\n<p>        <span id=\"litContent\" style=\"text-align: left;font-family: Helvetica, Arial, sans-serif, 'Ubuntu';font-size: 14px;color: #808080;line-height: 24px;font-weight: 400\"><\/p>\n<p><span style=\"font-family: Calibri;color: #3e403e\">High value items will be covered under a typical home insurance policy, but not past a certain dollar amount, unless your policy includes special provisions.<\/span><\/p>\n<p><span style=\"font-family: Calibri;color: #3e403e\">Different insurance companies may have different limits, but generally it breaks down something like this:<\/span><\/p>\n<ul style=\"list-style-type: disc\">\n<li><span style=\"font-family: Calibri;color: #3e403e\">$1,500 per item<\/span><\/li>\n<li><span style=\"font-family: Calibri;color: #3e403e\">$3,000 for combined value<\/span><\/li>\n<li><span style=\"font-family: Calibri;color: #3e403e\">If the value of any item exceeds the limit, it will not be covered past that limit<\/span>\n<p><span style=\"font-family: Calibri;color: #3e403e\">Your home insurance policy&#8217;s limits may be a little higher than this, but this example gives you the general idea. This applies to jewelry, firearms, coin collections, silverware or anything of particularly high value.<\/span><\/p>\n<p><span style=\"font-family: Calibri;color: #3e403e\">In order to get these items covered, you\u2019ll need a scheduled personal property endorsement.<\/span><\/p>\n<p><span style=\"font-family: Calibri;color: #3e403e\">Scheduled items may be covered for their full value, rather than up to the standard limits of your policy, but these items <em>are<\/em> subject to the same exclusions as any other items in your home, which will probably mean the following:<\/span><\/p>\n<\/li>\n<li><span style=\"font-family: Calibri;color: #3e403e\">These items will not be covered for wear and tear. So, if you cover an expensive fur or leather jacket, don&#8217;t expect to file a claim for it when the sleeves start to wear down.<\/span><\/li>\n<li><span style=\"font-family: Calibri;color: #3e403e\">Infestations will typically not be covered. A collection of antique books won&#8217;t be covered should mice chew on them, for instance.<\/span><\/li>\n<li><span style=\"font-family: Calibri;color: #3e403e\">War and nuclear hazard won&#8217;t be covered in any event. This probably isn&#8217;t a major concern.<\/span>\n<p><span style=\"font-family: Calibri;color: #3e403e\">If you want to schedule items for coverage, you will want to make sure to keep a detailed inventory. Here&#8217;s how you can do that:<\/span><\/p>\n<\/li>\n<li><span style=\"font-family: Calibri;color: #3e403e\">Keep the receipts<\/span><\/li>\n<li><span style=\"font-family: Calibri;color: #3e403e\">Make a list<\/span><\/li>\n<li><span style=\"font-family: Calibri;color: #3e403e\">Take photos<\/span><\/li>\n<li><span style=\"font-family: Calibri;color: #3e403e\">Take video<\/span><\/li>\n<li><span style=\"font-family: Calibri;color: #3e403e\">Make sure that you keep your insurer updated with a fresh inventory<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: Calibri;color: #3e403e\">There are items that are potentially best covered through specialty insurance rather than through your home policy, but by and large, you can cover most high-value items through the same plan that you use to cover your TV, stereo and other common possessions.<\/span><\/p>\n<p><span style=\"font-family: Calibri;color: #3e403e\">So, short answer: Your home insurance policy doesn&#8217;t <em>automatically<\/em> cover high-value items. You can buy extra protection for them, but don&#8217;t expect them to be included in your standard inventory.<\/span><\/p>\n<p><\/span><\/p>\n<div id=\"pnlSource\" style=\"margin-top: 20px\">\n<table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" align=\"left\">\n<tbody>\n<tr>\n<td width=\"auto\" align=\"center\" height=\"40\" bgcolor=\"#d52728\" style=\"padding-left: 20px;padding-right: 20px;font-family: Helvetica, Arial, sans-serif, 'Ubuntu';color: #ffffff;font-weight: 400\">\n\t\t\t<a href=\"#\" style=\"color: #ffffff;font-size: 16px;text-decoration: none;line-height: 34px;width: 100%\">SOURCE<\/a><\/p>\n<\/td>\n<td width=\"10px\"><\/td>\n<td width=\"auto\" align=\"center\" height=\"40\" bgcolor=\"#999999\" style=\"padding-left: 20px;padding-right: 20px;font-family: Helvetica, Arial, sans-serif, 'Ubuntu';color: #ffffff;font-weight: 400\">\n      <a id=\"lnkSource\" style=\"color: #ffffff;font-size: 16px;text-decoration: none;line-height: 34px;width: 100%\">INSURANCE TECHNOLOGIES CORPORATION<\/a>\n\t\t<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Are High Value Items Covered by Home Insurance? High value items will be covered under a typical home insurance policy, [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":null,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2922","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/posts\/2922","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/comments?post=2922"}],"version-history":[{"count":0,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/posts\/2922\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/media?parent=2922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/categories?post=2922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/tags?post=2922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}