Without a quality inventory of your personal property and scheduled property that is current, the agent has only a guess of what your need should be for a covered loss. This could mean you are over insured and paying to much premium or underinsured for a possible loss. Lack of inventory control could mean lost or misplaced property or unnecessary duplication of property. An inventory of scheduled property is critical to establish its value and to provide coverage. Personal property coverage is connected with a building, those items when removed will lack coverage with few exceptions. Sample forms and a suggested plans to accomplish this follow.

   A close look at the place most people call home revealse the fact that  there a wide variety of different personal property values and items that need specific coverage which most basic policies may not cover.  Thus it is important that an up to date inventory has been completed and the items reviewed for value and coverage issues. Some items may be better covered by a schedule property plan, which requires not only a separate inventory but current appraisels and documentation for them to be covered. Ask anyone that has been presented with a home fire or wind storm, it painful to try to deal with things afterward. Note the choice below this on the same page to learn more about scheduled property items.

   We offer specialty coverage for your personal property, including but not limited to antiques, collectibles, jewelry, fine arts, specialty camaras, specialty sport and recreational equipment like canoes, small fishing boats, bikes, skiing, climbing, and camping equipment,etc. which offers much more than the main policy.