Did you get jewelry
for Valentine's Day?
Did you know that most homeowner policies limit your jewelry to only $1000.00?
You can add coverage to your homeowner policy to increase this amount but it is still subject to your deductible and limited coverage.
So how do you protect that precious diamond ring?
The answer is with a Scheduled Personal Property policy (a.k.a Inland Marine Policy).
On this policy you buy coverage on your specific valuable goods such as your Jewelry, Antiques, Fine Arts, Silver, even Golf Clubs and Computers. For literally pennies on the dollar you can protect these goods separately from your homeowners policy giving you even broader coverage for things like loss and breakage (not covered under a traditional homeowner).
So look around your home and make a list of your prize possessions and find out from us today just how a Scheduled Personal Property policy can work for you!
Wedding Insurance
Peace of Mind for Your Special Day
No matter how carefully you plan your weddingthere are many things that are beyond your control.
You've dreamed, planned, and prepared... and though you may not want to think about it, a lot can go wrong.
What if your reception venue goes out of business a month before the wedding, and you lose your deposit and have to find another location? Or a hurricane causes your wedding to be postponed? What if your bridal shop closes, leaving you without a gown?
Your Wedding Insurance Policy can cover a variety of situations...
• No Dress
You can get repair or replacement cost if the bride’s wedding gown or groom’s tuxedo is lost or damaged.
• Lost Deposits
We can reimburse your deposit if a vendor goes out of business, declares bankruptcy before your wedding, or simply fails to show up.
• Lost Rings
You can receive repair or replacement cost if the bride or groom’s wedding bands are lost or damaged.
• Severe Weather
If severe weather (such as a hurricane) forces you to postpone your wedding, we can provide reimbursement for non-recoverable expenses.
• Transportation Shutdown
If you have to postpone the wedding because a commercial transportation shutdown prevents the bride, groom or their parents from getting there, you can receive reimbursement for non-recoverable expenses.
• Ruined Photos
If your photographer’s film is defective, or negatives are lost or damaged, we can help cover the cost to re-take new photos.
• Call to Duty
If the bride or groom is unexpectedly called up to active duty, or has her or his military service leave revoked, forcing you to postpone the event, we can provide reimbursement for non-recoverable expenses.
• Damaged Gifts
You can get repair or replacement cost if your wedding gifts are damaged.
• Sudden Illnes
If the wedding needs to be postponed because sudden illness prevents the bride, groom or their parents from attending, you can receive reimbursement for non-recoverable expenses.
• Venue Requires Insurance
As an additional option to your policy, you can add liability coverage to protect yourself in case a guest is injured or causes damage to property.
• Additional Expense
If a vendor suddenly becomes unavailable for your event but you can find a last-minute replacement, we can reimburse you for the difference in cost.
Contact us today to protect your special day, and your investment in it!