Call Us 877-945-7233 ☰ ˟
Saferoad Insurance
Call Us 877-945-7233
  • HOME
  • Insurance Products
    • Auto
    • High-Risk
    • Homeowners
    • Motorcycle
    • Business & Commercial
    • Commercial AutoImage of right arrow
      • Food Truck Insurance
      • Contractor Insurance
      • Dump Truck Insurance
      • Delivery Driver Insurance
      • Semi Truck Insurance
      • Box Truck Insurance
      • Semi Truck Insurance
      • Moving Truck Insurance
      • Pickup Truck Insurance
      • Plumber Auto Insurance
      • Tractor Trailer Insurance
      • Van Insurance
    • Recreational Vehicle
    • Watercraft & Boat
    • Renters
    • Life
    • General Liability Insurance
    • Mexico Insurance
  • Payment & Claims
  • Tax & Registration
    • DMV Registration
    • Vehicle Registration
    • Tax Preparation
    • Insurance Glossary
  • Contact Us
    • Contact Us
    • About Us
    • Locations
    • Refer a Friend
    • Careers
    • Blog

Get an INSTANT QUOTE


Get a free quote

Home > Blog > Does Homeowners Insurance Cover Collectibles?
TUESDAY, JANUARY 31, 2023

Does Homeowners Insurance Cover Collectibles?

Does Homeowners Insurance Cover Collectibles?

Having a collection of vintage clothing, art pieces, sports memorabilia, or other valuable trinkets is an interesting hobby. Your collections should be protected and insured if you are fascinated with rare coins, stamps, jewelry, or comic books. But how do you obtain collectible insurance? Does homeowners insurance cover collectibles?

At Saferoad Insurance, we want to ensure you know the appropriate steps to keep your collectibles insured. Below is how to tell if your homeowners insurance covers your valuables.

What Does Standard Homeowners Insurance Cover?

Homeowners insurance protects you from the loss of personal property. So yes, homeowners insurance does cover your collectibles. However, some insurance companies exclude or limit the coverage for fine art pieces and other valuable items. You may have to seek separate collectibles insurance if you have a high-ticketed collection, like vintage cars, fine wines, horses, etc.

How Can I Ensure My Valuables Are Covered?

Some insurance companies will limit their policy coverage of non-household items or deny coverage for non-household items. So it’s always best to double-check with your agent to ensure that your collection is within those limits or if you need to inquire about an additional coverage add-on.

Get an Appraisal

If you think your collection is worth more than $3,000 or need assistance estimating the value of your collectibles, consider getting a formal appraisal. Getting an appraisal from an expert will help you estimate how much coverage you need. It will also help as a form of supporting documents you when need to file a claim.

Document Your Collection

When buying insurance, you will be asked to document what you own and its worth in case you file an insurance claim. Therefore, it’s important that you conduct an accurate list with photos and descriptions of each item. You should also keep your receipts or other documents from new collectible items.

Other Ways To Protect Your Collectibles

Regardless of whether you have some form of security over your house, adding security to your valuables would be good. When you have a collection of valuable items, it’s important to keep them in pristine condition so they can appreciate value. From designer items to fine pieces of art to sports memorabilia, you can protect your items by doing the following:

  • Use protective cases
  • Install a security system in the area where your valuables are kept
  • Use a fire safe

It would also help if you didn’t broadcast your valuable items online or boast in public. People have often been caught in unfortunate situations due to sharing details of their extensive collection. Remember never to share your address on social media or public forums.

Saferoad Insurance Services wants all your collectibles to be safe and sound. We are an affordable California homeowner insurance provider that strives to provide our clients with quality service and top rates. We also offer to bundle for auto, business, and recreational vehicles. For more information, don’t hesitate to contact us! We’re always looking for opportunities to go above and beyond for our clients.

Posted 12:17 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019

  • insurance(9)
  • auto insurance(4)
  • long beach(4)
  • coverage(3)
  • california(2)
  • home insurance(2)
  • policy(2)
  • auto(2)
  • car accident(1)
  • liability(1)
  • general(1)
  • credit score(1)
  • life(1)
  • mexico auto insurance(1)
  • general liability insurance(1)
  • renew your policy(1)
  • road trip(1)
  • tax refund(1)
  • commercial(1)
  • claims(1)
  • car(1)
  • safety tips(1)
  • insurance limits(1)
  • business owners(1)
  • boat insurance(1)
  • tax preparation(1)
  • car insurance rates(1)
  • motorcycle(1)
  • expenses(1)
  • liability insurance(1)
  • commercial auto insurance(1)
  • renters insurance(1)

View Mobile Version

Contact Us Today!
877-945-7233

Facebook Twitter LinkedIn Google
Serving All California Residents. Saferoad Insurance
Quick Links
Home
Get A Quote
Customer Service
Payment/Claims
About Us
Our Carriers
Blog
Contact Us
Subscribe
Locations Find Your Nearest Location Here
Anaheim
Long Beach
Los Angeles
Powered by Insurance Website Builder