| "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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| "My name is Tony Laughlin and have been a client of Shepard Insurance Agency since late 1997. I came to this agency for the purpose of getting lower insurance rates. I not only found lower insurance rates, but I found by far, one the best agents in Ms. Luz Gomez. I unfortuneately have had a few incidents with my vehicles in the past, and I never felt that I was getting anything but top service. The phone calls are returned in very timely manner, and questions are answered as if they knew before they were asked. With the service I receive, I feel like I am their only client. There is no exaggeration in any of these comments, I feel the way I have explained. Thank you Shepard Insurance and a special thanks to Luz Gomez. " | ||
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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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