Home Insurance: Why Your Jewelry, Collectibles, and Firearms May Not Be Fully Covered
By New England Family Insurance – Serving Fall River and the Greater Boston Area
When it comes to protecting your home, a standard homeowners insurance policy is your first line of defense. It covers a wide range of perils—from fire and theft to liability and more. However, what many homeowners don’t realize is that certain high-value items like jewelry, collectibles, and firearms often have limited coverage under a typical policy.
At New England Family Insurance, we help families in Fall River, Boston, and throughout New England understand the gaps in their policies—and how to fill them—so they can sleep soundly knowing their most prized possessions are properly protected.
What You Can Do to Protect These Items
To ensure your valuables are fully protected, consider the following options:
1. Schedule Personal Property (Add a Rider)
Also known as a personal articles floater, this endorsement allows you to specifically list high-value items on your policy for their full appraised value. This also broadens the coverage to include accidental loss—not just theft or fire.
2. Increase Sub-Limits
Some insurers allow you to increase the sub-limits for certain categories of property for an additional premium.
3. Keep an Inventory and Get Appraisals
Having a detailed inventory of your valuables, along with current appraisals and receipts, can speed up the claims process and ensure you’re adequately reimbursed.
Why Work with New England Family Insurance?
Navigating the fine print of a home insurance policy can be confusing, especially when it comes to insuring items of sentimental or substantial value. At New England Family Insurance, we specialize in helping local homeowners in Fall River, Boston, and throughout New England find the right coverage—without overpaying.
We work with multiple top-rated insurance carriers and take the time to understand what matters most to you. Whether you’re a new homeowner or simply reviewing your current policy, we’ll make sure your valuables are protected the right way.
Let’s Make Sure You’re Covered
If you have valuable items like jewelry, collectibles, or firearms, don’t wait for a loss to discover your insurance isn’t enough. Contact New England Family Insurance today for a free policy review and personalized quote.
Offices in Fall River and Boston
Call us at (508) 672-2997
Visit us at https://newenglandfamily.
