You probably expect that your homeowner’s policy in Huntington, TX will protect you against loss for anything that you have in your home. Unfortunately, that is not always true.

Standard homeowner’s insurance will cover the property itself, large and small appliances, window treatments and rugs, clothing, dishes, televisions and other electronics, movies, books, and many other kinds of items. If you read your policy, carefully, though, there are limits on how much can be covered in each category. Your policy is basically the contract between you and the insurance company, so it will determine what is and is not covered.

At Integra Insurance Services, we can help you understand your policy and work with you to figure out if your most important valuables are protected. Many of your valuables may not be covered because they are simply too valuable. Others may not be covered because of what kind of property they are.

Here are the most common kinds of items that may need special coverage:

• Jewelry
• Furs
• Paintings and other works of art
• Valuable equipment, such as cameras, computers, or other electronics
• Equipment you use in a business
• Coin or stamp collections
• Musical instruments
• Guns
• Boats or other recreational items
• Recreational vehicles stored on your property
• Anything else that may fall outside the limits. 

You expect to be safe in Huntington, TX, but sometimes things happen. When they do, you need to be protected. You don’t want to be surprised by finding out that your most valuable possessions aren’t covered under your insurance policy.

If you have any questions or would like to talk about getting a special policy for yourself, please don’t hesitate to call Integra Insurance Services so we can show you how easy it is to add a policy onto your existing one.