Insider Tips: Safeguard Your Black Friday Haul with the Ultimate Insurance Strategy from Texan Insurance
Now that the Thanksgiving feast is done, it’s time for the fun of Black Friday, Small Business Saturday, and Cyber Monday! And while you’re getting ready for some serious shopping, it’s essential to consider how to protect your valuable purchases. Let’s get real about safeguarding your investments!
Have you ever wondered if your homeowner’s policy covers all your new goodies? The only way to find out for sure is by calling us. But here’s a tip from Texan Insurance to level up your protection: consider adding an endorsement or amendment, also known as ‘scheduling an item’ to your policy.
An endorsement adds coverage for things that aren’t typically covered in your original homeowner’s policy. This can include items like
- jewelry
- fine art
- collector’s items
- firearms
- electronic equipment
- specialty items like bikes
Why should you bother, you ask? Well, first off, it comes with a lower deductible compared to your regular homeowners policy. Not only that, but you’ll also get increased coverage limits and a wider scope of protection.
You might want to consider an endorsement if you have precious jewelry, like a diamond engagement ring or a vintage necklace. Let’s take a diamond ring as an example. Your standard homeowners policy might cover a limited mount for jewelry theft, but what about lost items? That’s where the jewelry amendment comes in. You can insure each piece individually for its full replacement value and get comprehensive protection.
Did your Black Friday spree include firearms? Your regular homeowners policy might not cover their full value. Don’t take any chances. Call your agent (281) 998-2500 to schedule them onto your policy or consider getting an additional stand-alone policy.
Don’t risk it with your high-value items. Get in touch with a Texan Insurance agent today to find out how you can boost the protection for your new treasures. Adding them to your policy as an amendment or choosing a stand-alone policy is the smart move when it comes to securing your investments.