With so many different types of Boise insurance policies available to protect your home and possessions, it may be difficult to determine which policy you really need. One policy that may provide vital protection for your valuables and is often overlooked is a personal articles policy.

This type of insurance may be purchased as an add-on to your standard homeowner’s insurance. Typically, a standard homeowner’s policy offers coverage up to a specified limit, which may be less than some of your valuable possessions are worth to repair or replace. Personal articles insurance may also be expanded to include breakage. In many cases no deductible is required to be paid on a claim.

Personal articles insurance usually offers coverage for firearms, china, furs, musical instruments, computers, golfing equipment, artwork, sculptures and unique collections. Almost all items of value may be covered by this type of insurance, although a current appraisal may be required.

It’s a smart idea to take photographs of each item in a collection or detailed marking on a particular piece of jewelry. In the event your valuables are stolen, a photograph ensures you report everything that has been stolen and it may even help trace your items. Contact your Boise insurance agent to add personal articles insurance to your existing homeowner’s insurance.

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