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DOES MY HOMEOWNER’S INSURANCE AUTOMATICALLY COVER EVERYTHING IN MY HOME?

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Your insurance policy probably limits the amount of coverage it provides for computers, jewelry, home theater equipment and other expensive possessions. 

Your expensive jewelry, for example, might be covered only up to $500 or $1,500 unless you have “scheduled” it, piece by piece, along with a sales receipt or a jeweler’s appraisal, with your agent. Plus, it might be covered only against theft, so if you lose the diamond from your engagement ring’s setting, you’ll have to pay to replace it yourself.

Your best bet is let your insurance agent know about all of your expensive possessions, item by item. That could include fur coats, family heirlooms, antiques or valuable collector’s items like baseball cards.

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