30 Nov Are you sure your homeowner’s policy covers your holiday gifts?

The holidays are here and that means endlessly shopping around for the perfect gift for friends and family. Typically when shopping for presents during the holiday season, insurance is not on the list. However, it is important to remember that your current insurance policy may not cover new additions to your home, such as jewelry, electronics, even cars!
When it comes to specific items in your home, home insurance policies cover up to a certain limit. Some items in the home are easier to be stolen than others, such as expensive jewelry. Expensive jewelry, guns, furs, certain electronics, etc. need to be appraised and scheduled on your homeowner’s policy. Having an appraisal for specific items in your home will estimate the right amount of coverage that is needed.
Before purchasing expensive gifts this holiday season, look into the type of insurance that you need to have in order to keep that investment safe! It is always a good idea to look over your insurance policy in the holiday season whether you are getting gifts or receiving them! If you have any questions about insurance coverage, give Spivey Insurance Group a call at 704-821-4460. Keep up with Spivey Insurance Group throughout the month of December on Facebook, Twitter, Google Plus, and Pinterest!