Computers, electronics, or fine art that aren’t in your regular household inventory?
You might need to plan these things to ensure you can supplant them at their full worth in case of a misfortune.
For things like jewelry, there is a dollar limit in a standard policy. In the event of a loss, this may not be sufficient to completely replace them.
In the event of a covered loss, the personal property replacement cost rider covers the replacement cost of your personal property without depreciation.
An ever increasing number of property holders are running self-start ventures nowadays.
For a home-based business, they require insurance that is not included in a standard homeowner’s policy to cover business equipment and legal liability. This will be added by a home business endorsement.
