VALUABLE ITEMS POLICY

Are your valuables worth more than $1,000?  More than $5,000?

Before you answer, did you consider that "valuables" means more than jewelry? Do you own any special collections, furs, china, antiques or artwork?

A Valuable Items policy allows you to purchase better protection for your special property than would be available under a typical homeowners' policy. In addition to being able to purchase higher limits, broader coverage (including mysterious disappearance and where appropriate, breakage), and you receive worldwide protection.

Many different types of possiessions can be insured under the Valuable Items policy. Here is a quick (but not exclusive) list of insurable items:

• cameras (video or still) and related equipment
• china and crystal
• coins (rare and current)
• firearms
• furs
• golfer's equipment
• jewelry
• musical instruments
• personal computers
• stamps (rare and current)
• silverware
• works of art; incuding paintings, etchings, pictures and other bonafide works of art (such as oriental rugs, statuary, rare books, manuscripts and bric-a-bac) of rarity, historical value or artistic merit.

The Valuable Items poicy will typically list all of the insured items. Smaller items may not need to be scheduled, but can be included in a "blanket" limit. The list, or "schedule" of covered items would include a detailed discription of each item and the appraised value. In most instances, your insurance company requires a copy of a current appraisal to establish the value of your times. Your cost is then based on the total values of your special property.

Call a PA&T professional today to help you put this coverage into place for you.