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Does Home Insurance Cover Valuables in Your House?

Staying Protected With Homeowners Insurance

Your homeowner’s insurance covers a variety of factors that include structural damage, liability protection, and some personal belonging coverage. Typically, items like furniture, clothing and some other valuables are included in your homeowner’s policy. However, more expensive items such as jewelry or other high-dollar items may require additional coverage. Luckily, there are some simple ways to ensure your most valuable possessions are covered from loss and damage.

The team at VIP Insured of Bellevue, WA can walk you through your homeowner’s insurance policy so you know what it covers. Keeping your valuables protected is important and having the right coverage will ensure you can rest with peace of mind.

Protecting Your Valuables

Unforeseen events such as fires or thefts can leave you at a loss when it comes to your valuables. Without adequate coverage, you may face hard financial losses that can be emotionally challenging. There are ways to protect your most valuable items beyond standard homeowners insurance. Additional personal property insurance can be purchased to mitigate costs of replacement in the event of an accident or theft. Another way to protect your valuables is to raise the liability limit on your homeowner’s policy. Aside from these measures, purchasing safes and other forms of security are ways to reduce theft and loss of valuables. Speaking with a qualified insurance agent will help you define what your specific needs are.

Professional Insurance in Bellevue

Contact VIP Insured of Bellevue, WA to speak with one of our knowledgeable agents to discuss homeowners insurance quotes. We have helped countless individuals understand what their homeowner’s insurance covers, and what it doesn’t. Our team looks forward to helping you find the best rates and policies available.

How much home insurance do you need in Washington?

The average home value in Bellevue, WA is $950,000. The area often populated by more affluent residents in Washington is ideal for those looking to settle down and enjoy nature. How much home insurance should you consider if you live or plan to reside in Bellevue, though? The agents at VIP Insured can help you understand how an indemnity policy works. 

What does home insurance cover?

The best home insurance policies cover the structure as well as items inside the residence. Some homeowners purchase the most expensive plans in the hope of having all incidents covered. Home insurance, however, is more detailed than merely having high policy limits. 

A homeowner can have high policy limits and still find himself outdoors because of natural disasters. A policyholder can also have high policy limits and find himself paying to rebuild his home because his home’s actual cash value is not enough to cover all the damages. When considering how much home insurance to buy for your home in Bellevue, WA, it is best to focus on what the plan includes. 

How much home insurance do you need?

Purchasing a home insurance plan that includes natural disasters such as flooding and earthquakes is always a good idea in Washington. You may also want to consider a policy that offers total replacement over actual cash value. Total replacement covers the entire cost of damages. 

Some homeowners have antique items in their homes and garages. It may be ideal to purchase a home insurance plan that pays the appraised value of these items in a disaster and not the actual market value. 

The actual amount of home insurance you need is ultimately a discussion for you and a professional at VIP Insured. Call today to get started with a quote.

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