Protect the Things That Matter to You

Your home, belongings and other property represent years of hard work. Property insurance can help protect you financially when the unexpected happens, whether that is damage, theft or another covered loss.

Depending on the type of coverage you have, protection may be available for your:

• Home or rental property
• Furniture, electronics and personal belongings
• Vehicles
• Boats or recreational vehicles
• Other valuable property

Coverage varies by policy, so it is important to understand what is — and is not — included. Certain risks, such as flooding, may require separate coverage.

Replacement Cost vs. Actual Cash Value

When personal property is damaged or lost, your policy may reimburse you in one of two common ways:

• Replacement Cost: Helps cover the cost of replacing an item with a similar new item.
• Actual Cash Value: Pays based on the item’s current value after accounting for age and depreciation.

Knowing which type of coverage you have can make a big difference when it is time to file a claim.

Make Sure Your Coverage Keeps Up

Your insurance needs can change as you buy a home, make improvements or add new belongings. Reviewing your coverage regularly can help make sure your policy still fits your needs.

A few simple steps can help:

• Keep an updated inventory of your belongings
• Estimate the current value of important items
• Review your policy limits and deductibles
• Check for special limits on jewelry, collectibles or other high-value possessions
• Ask whether additional coverage may be needed for certain risks or property

Our team will review your coverage and make sure the things you have worked hard for are properly protected.