Your wedding ring- your prized coin collection- your good silverware- your personal items that are so valuable to you. Not only do they hold value for sentimental reasons, but they also hold a higher monetary value than what you might realize. Under a standard homeowner’s policy, typical limits for items such as these, cumulatively covers up to $1000, and even then only includes the events of theft of fire. At Insurance Management Group, we can provide you with the additional coverage you need to ensure that your valuable, irreplaceable items are protected with a personal articles, or inland marine insurance policy.
With an Indiana personal articles insurance policy, scheduling specific personal items or collections, you gain broader coverage than you would normally have under your homeowner’s policy, along with having no deductible. When your items are insured to full value, this tailored policy covers misplacement, loss, chips, and breakage to those items. For example, let’s say that one of the earrings your husband bought for your 10th wedding anniversary has fallen out and, after retracing all of your steps, cannot find it. Your personal articles policy will step in and replace the earring for you. Or if your grandmother’s fine china shatters during the move to your new home, the breakage will be taken care of, as well.
An Indiana personal articles insurance policy can protect a wide variety of valuable items and collectibles, such as jewelry, artwork, firearms, furs, books, golf equipment, cameras, computers, musical instruments, sports equipment, and more. So, whether you are looking for coverage for just your jewelry, or if you have an array of collectibles that you’d like to insure, IMG can offer you several different and affordable options to meet your specific need. At IMG, we will work closely with you to help determine the best choice to protect those valuables that hold such significance in your life.
Our number one priority is to make your life easier- to provide you with a peace of mind, that if or when something goes wrong, you will be taken care of. This is our promise to you. We understand the importance of your valuables and the weight of their worth. Call IMG today to talk with one of our friendly and knowledgeable team members about how we can help you take the first step in protecting those items that mean the most to you!