Valuable Articles Insurance

Each and every one of your items is important. They are part of what makes you who you are. You’ve spent a lifetime accumulating and surrounding yourself with the things that you love. While some of your possessions fade into your surroundings, others are a source of constant enjoyment, but also constant worry. Items like rings and other jewelry are well within this category, and a standard homeowners policy is simply not enough to afford the proper amount of coverage.

The term “floater” or “rider” is often used to refer to the insurance coverage that bridges the gap between the sub limits in the homeowners policy and the value of your jewelry or other valuable articles. Obtaining this coverage requires a little extra effort, but it’s well worthwhile. Depending on the item, a receipt or appraisal is generally required.

  • Connections to Appraisers
  • Online portal to help maintain itemization of values for your collections
  • Coverage for theft, damage, and even mysterious disappearance (some carriers)
  • Wine Collections
  • Fine Art Collections
  • Jewelry and Furs
  • And more!

Your Personal Insurance Program Team

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Con-DO or Con-DON’T – Condo Insurance ...

There are some advantages to condominium living. One, people feel, is that the association handles insurance so they skip the hassle of having to arrange their own coverage.  While that’s true to some degree, as with most things in life, it’s more complicated than it appears. There are traps for the unwary. To know what the association is going to take care of you need a copy of the by-laws and the master deed. These documents should be made available to your insurance advisors in order that they may design your coverage to coordinate with the “master policy”.

Questions to ask yourself when determining what kind of coverage you need:

  • Will the master policy cover the parts of the unit that you own? – Many associations are obligated to purchase property insurance that covers all building elements including those owned by an individual.  Others are not and the master policy covers only commonly owned elements of buildings.  The master deed identifies commonly owned elements and delineates the boundaries of individually owned units.  The by-laws indicate the association’s obligation.
  • What deductible has been chosen for the master policy? – If damage occurs in your unit only there is little doubt you will be responsible for the deductible even if the master policy provides coverage.  Many associations choose higher deductibles than an individual would be comfortable with in order to keep condo fees low.
  • Who will provide coverage if you improve your unit by adding higher end cabinetry, counter tops or other enhancements? – The master deed and by-laws will answer this question.
  • What is your exposure for assessments due to uncovered or inadequately covered damage to common elements or high deductibles?
  • Is your investment protected in the event of a total loss? – Again, look to the master deed and by-laws as well as the limit available under the master policy.
  • What will you need to adequately cover your personal property and your personal liability exposures? – Of course, the association will not provide any protection in these areas.  They are usually handled with a Condominium Unit Owners Policy.
  • Is the master policy written on a specialized condominium form? – Forms and endorsements have been developed for condominiums that recognize the special relationship of unit owners and the association in relation to the insurer.  These forms are important in reducing the exposures of individual unit owners.

Don’t assume. Whatever you do, don’t assume that your condo association has you covered. Do some research, get answers and get peace of mind.


Fireplace Maintenance

Your fireplace looks beautiful and adds warmth to your home. It can also be a fire hazard, though. Protect your home and family as you enjoy the beautiful ambiance when you follow a fireplace maintenance schedule and implement safety tips this winter.

Check the Chimney

An essential part of your fireplace, the chimney needs a thorough inspection once a year. Hire a professional to look for cracks and other damage and to clean out combustible buildup like creosote. Then, secure a spark-arrestor screen to the chimney as you prevent dangerous sparks from escaping and damaging animals from entering.

Start the Fire Safely

Before you light a relaxing fire, open the flue. Start the fire with only approved materials like newspaper and dry logs. Once you have the fire going, don’t use it to burn holiday gift wrapping or grill food.

Maintain the Screen or Door

Every fireplace needs a safety screen or glass door. It prevents sparks from flying into your home and discourages your children or pets from reaching into the fireplace. Ensure the screen is constantly in place and free from any damage as you reduce accidental burns and other injuries.

Remove Combustibles

Flammable rugs, draperies, paper and other combustibles should be located at least three feet away from the fireplace. Otherwise, these combustible materials could cause a fire.

Use the Right Tools

Metal tools safely adjust logs and remove ash. Store them near the fireplace (but out of your children’s reach!)

Provide Proper Supervision

Always supervise your fire. If left unattended, sparks could start a fire in your home or your children or pets could walk into the bright but hot embers.

Remove Ash and Coal Properly

A one-inch layer of ash in the firebox insulates the fire. To remove excess ash or coals, wait until they’re completely cool. Use an ash vacuum or metal shovel, and place the materials in a secure metal container outdoors.

You’ll safely enjoy your fireplace all season when you use proper fireplace maintenance procedures. For more fireplace safety tips, visit This Old House online. Keeping your home in top condition can actually help reduce your insurance premiums. Give us a call today to update your home insurance policy and provide a layer of protection for your family and house.