Home insurance covers personal belongings in your home, but it often has low policy limits for expensive items. Napa, CA homeowners who store valuables such as paintings, antiques, and collections at home may want to look into other insurance options to ensure their assets are 100% protected at all times.

Scheduled Personal Property Policy

A scheduled personal property rider isn’t a standalone insurance policy. Rather, it’s an addition to your current policy to increase coverage for specific items in your home. These items must be named on the policy, and you’ll need to have them appraised to ensure you get enough coverage for each of your possessions. 

High-Value Home Insurance

If it would cost at least $750,000 to rebuild your home after a major disaster, you may be eligible for high-value home insurance. This type of insurance has high coverage limits for personal belongings, which means you wouldn’t need to buy riders for your policy. It also has a range of additional benefits, including replacement value coverage, landscaping coverage, and higher payout limits for those who have to move out of the home while it’s being repaired after a covered peril.

Call Wine Valley Insurance Services for More Information

Wine Valley Insurance Services specializes in helping Napa, CA, homeowners buy coverage that meets their exact needs. We offer policies and policy bundles from many major carriers to make it easy for you to find the insurance that’s the best fit for your situation. Give us a call to find out more about covering valuable assets, and we’ll offer personalized advice and assistance to help you make informed financial decisions.