Benefits of insuring valuables in your home

When you’re moving house, there are so many things you have to think of. Whether it is setting up your new home or packing everything in your old one, the list is long. You can make it at least a little bit easier by hiring professional movers Langhorne PA to give you a hand. After all, they’ve been through it all many times and know how to make moving seem so simple. However, they can’t help you with every single task on your relocation checklist. For example, insuring valuables in your home is something that is all on you. Now that you are moving to a new place, this is something you should consider doing. Especially when you have a lot of valuables and you are moving to a new area.

person counting money
Getting insurance for your prized possessions may be a good idea when you’re moving to a new house.

Why should you think about insuring valuables in your home?

Like most people, you probably have a few items in your home that you deem to be priceless. Not only might they have monetary value, but some have deep sentimental value as well. For example, you may have antiques in your home that have been saved and passed on for generations, and you want to keep them safe. And that’s okay! Getting insurance for the valuable items in your house isn’t that expensive and it has multiple benefits.

But, let’s start from the beginning. When you’re packing your belongings for the move, you will get a much better picture of what you own. Believe it or not, many people forget how many items they have until they start to pack for the relocation! So, if you come across a valuable item that you want to move to your new house, be careful when choosing a moving company to work with. Not all moving companies in Pennsylvania will know how to transport sensitive and fragile objects. Moreover, some companies offer mover’s insurance, and that’s something you should get when moving something precious.

Stay safe even after your move is over

We all know that unexpected things can happen during your relocation process. Even the best Philly movers can make mistakes from time to time. That’s where your mover’s insurance will cover you. Even if they get into an accident on the road that is caused by another vehicle, the insurance will take care of it. This is similar to insuring valuables in your home. Natural disasters are unpredictable and can happen anytime. When you get home and content insurance, you are safe even in these scenarios. We know that nothing can get back a very old jewelry piece you inherited from your great-grandmother, but it will at least cover you and provide some comfort.

Moving to a new area is the time when you have to be extra alert. Especially when you’re not moving locally, and you don’t know anyone around you. Our number one tip is to make sure your home is safe and has a proper security system installed as soon as you move in. That way, you will keep the intruders and thieves out of your property. Insuring valuables in your home will only make it better, in case a security measure fails to keep the items safe. This insurance policy will not only cover the items that you lost but most likely the damages that occurred as well.

blue ceramic plates
Items don’t have to have only monetary value to be treasured. But, when they are priceless, you need to make sure you get insurance for them!

What is considered valuable and can be insured?

Let’s be honest here, not every item in your house can fall under valuables insurance. But, there are items that can. Most homeowners’ policies do not cover these, and you can always get additional insurance. Some of the items may have been in your family for decades, but unfortunately, you can lose them in a second. These are some of the most common items that will fall under this insurance umbrella:

  • Jewelry (this includes your watches as well)
  • Fine arts (paintings and sculptures alike)
  • Electronics (cameras, TVs and other expensive equipment)
  • Firearms
  • Stamp and coin collections
  • Silverware
  • Musical instruments
  • Furs
  • Sports equipment (golf clubs, bicycles, etc.)

Not all items will have the same value, but you can insure them to get at least some kind of coverage in certain situations. Be careful – not all policies will cover damages, they may only cover theft.

close up of two rings
Most of your jewelry can be insured – why take the risk of losing everything in case of a break-in? Even some coverage will provide a bit of comfort in case something gets stolen.

Insuring valuables in your home may not cover all the items in a set

Imagine you have a very large and very expensive china set you inherited. You find it priceless and you want to get insurance for it. However, when you get in touch with a company to come and take a look, they may have different ideas. For instance, they will put a limit to the value of the set and you can only claim up to $1,000 or something like that. Even if that’s not the whole value of the set. Other times, they will put a limit on the number of items you can get a claim for.  If there are 5 fur coats in your closet, some companies will only cover 2. In either case, you have to keep this in mind when discussing how much they will cover.

As we’ve seen, keeping track of your valuables and their worth is not all that easy. Luckily for you, you can get a free moving quote and easily plan how much you’re going to spend on your relocation! With our help, we can move you (and your valuables) to any location you want, safely and without much hassle. Give us a call today and schedule your appointment!

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