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10 Items That Your Homeowners Insurance Policy Does Not Provide Enough Coverage For.

Did you know that most homeowners insurance policies have coverage limits on some of the most valuable items you own? Items like jewelry, money and even firearms. Take Jewelry for example. If a thief breaks into your home and steals a five thousand dollar wedding ring; most insurance companies will only cover it up to one thousand dollars. See the Full List Below.

The list of coverage limits below was provided from one of the largest homeowners insurance carriers in Florida and may or may not reflect the coverage limits for your specific policy.

Special Limits of Liability: 

The special limit for each numbered category below is the total limit for each loss for ALL property in that category


1. Jewelry, Watches and Furs
$1000 for loss by theft of jewelry, watches, furs, precious and semi-precious stones.

2. Money and Bank Notes
$200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins and medals

 3. Firearms
$2000 for loss by theft of firearms.

4. Silverware and Tea Sets
$2500 for loss by theft of silverware, silver-platedware, goldware, gold-plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter.

 5. Items Used For a Business
$2500 on property, on the "residence premises," used at any time or in any manner for any "business" purpose.

6. Trailers
$1000 on trailers not used with watercraft.

7. Watercraft 
$1000 on watercraft, including their trailers, furnishings, equipment and outboard engines or motors.

8. Securities, Accounts and Deeds 
$1000 on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps. This dollar limit applies to these categories regardless of the medium (such as paper or computer software) on which the material exists. This limit includes the cost to research, replace or restore the information from the lost or damaged material.

9. Electronics While In a Motor Vehicle
$1000 for loss to electronic apparatus, while in or upon a motor vehicle or other motorized land conveyance, if the electronic apparatus is equipped to be operated by power from the electrical system of the vehicle or conveyance while retaining its capability of being operated by other sources of power.

10. Items Used For Business Not Located at The Residence Premise 
$250 on property, away from the "residence premises," used at any time or in any manner for any "business" purpose.

What You Can Do To Protect Your items
There are 2 choices to protect items that your Insurance policy has limits of coverage on.

1. Schedule High Value Items to your current homeowners policy. 
Most insurance companies will allow you to schedule your items such as expensive jewelry and firearms. There are a few steps that you will need to take to properly cover these items. If you would like to cover expensive jewelry for the full replacement cost you will need an appraisals showing the value of the items, along with photos and a description of the item. For firearms most Insurance companies will require the make, model, serial number and value of the item to schedule it on your Homeowners insurance.. Talk to your licensed insurance agent about scheduling items to your current homeowners policy for more information. 

2. Purchase an inland marine insurance policy to protect your items. 
Many Insurance Agents will tell you that purchasing an inland marine policy is the most comprehensive way to cover your high value items.Some times these policies are referred to a jewelry floater. Most homeowners policies have limits as to the amount you can schedule on your existing homeowners insurance policy.  By purchasing an inland marine policy you are not restricted by these limitations and will be able to insure as many items as you like. Most inland marine policies also cover your items for mysterious disappearance. This means if the item is lost, coverage is still provided, something your homeowners insurance will not cover. Finally, one of the superior aspects of purchasing an inland marine policy is the fact that when you need to file a claim, it will not count against your homeowners insurance policy. Your homeowners policy will not be canceled or non renewed if you file a claim for a lost or stolen item. A licensed insurance agent can provide you with a quote and more information on inland marine policies.  

If you would like to speak with a licensed agent about insuring your high value items give us a call at 1-800-252-6885 or shoot us an email at 

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