| "I recently signed up for new auto, homeowners and umbrella policies with Shepard Insurance. They offered the most competitive rates while at the same time supplying the best customer service I’ve ever received." | ||
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| "I want to thank your agency, and especially you for your professionalism. In the years we have been clients, all of our business has been not only straight forward and expedient, but pleasurable. We get all the information we need in an easy to understand way. Your suggestions are always welcome, and have created better protection for us. My wife and I thank you. " | ||
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If you have really expensive tastes like Singgih Gunawan of Singapore who recently set a wine auction record by dropping $242,000 on 12 bottles of 1990 Domaine de la Romanée-Conti, then you might want to know whether your more extravagent purchases are protected by your homeowners' insurance policy.
Not likely. Insurance companies have limits on the amount of home insurance coverage they will provide for valuable items like jewelry, antiques, artwork, collectibles, furs, silverware, tools, firearms, home computers, oriental rugs, and yes, even wine.
To ensure those items are covered, you need to "schedule" them on your policy, or take out a separate rider. If you don't, you might not be fully covered for damage to your special belongings. If you have any one item or a collection of items worth more than $2,500, let us know. The threshold of value will differ from insurer to insurer and from policy to policy. Some carriers have limits as low as $1,500.
If you think you might need additional protection, or would like to share a bottle from your collection of Domaine de la Romanée-Conti, call us at either (818) 508-9925 or (661) 295-4624 and we'll be happy to assist you.
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