Getting ready to start your holiday shopping? As you are making your list and checking it twice, our staff would like to remind you of just one more way your homeowners insurance policy could save you money. We understand that during this busy time of year, your homeowners insurance policy is not high on your agenda of things to think about. However, if you are planning on making a large purchase for yourself or someone in your home this holiday season, it may be well worth your time and effort to dig out your homeowners insurance paperwork and read the fine print, BEFORE you do your holiday shopping.
Let us explain.
Most homeowners insurance policies provide coverage for your actual residence and any additional structures on your property, such as a shed, fence, or freestanding garage. What many people fail to remember is that many policies also cover personal property that is kept inside your home.
What does this have to do with holiday shopping? Glad you asked!
When making a large purchase, such as jewelry, fine art, or collectibles, the salesperson who assists you will often offer to sell you insurance to cover your item. In many cases, however, the item you purchase will be covered under your existing homeowners insurance coverage.
We understand this is a busy time of year for everyone, and the last thing you want to do is take the time to dig through your files to find your original homeowners insurance paperwork. To find out what your homeowners insurance does and does not cover, or to update your current policy, contact us today!
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.