| "Thank You for taking such great care of our family. You not only saved us several hundred dollars over our previous insurance carrier but also made sure all of our insurance needs were well taken care of. When our niece needed automobile insurance at the last minute to purchase a new car, not only did you take the time to patiently educate her about insurance but you also waited over 2 hours after your normal business hours on a Friday night to make sure that she was able to take her new car home that day. You are not only an outstanding, dedicated insurance agent but a truly wonderful person. We look forward to a long insurance relationship knowing that we have you looking after us." | ||
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| "Here at Integrated Home Construction, we take our business very, very seriously. That’s why when it comes to our insurance needs, we turn to the best: the people of Shepard Insurance Agency." | ||
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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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