There are a lot of different parts to a homeowners insurance policy. There is the dwelling amount, personal items coverage amount, endorsements and even personal item floaters that can be on the policy. To help you know what your policy will pay out for a loss it is important that you know what is covered and what needs to be added. Here are some things that you will need to know about when it comes to your insurance policy in Bethlehem, Pennsylvania and objects needing to be insured.

What Your Policy Will Cover When it Comes to a Total Loss Claim

• If you have antique items in your home, then you may want to have them endorsed to value on your homeowners insurance. High dollar items need to have an appraisal and be endorsed on a rider to be fully covered.
• If you do not have a a rider on the policy, then any losses will be paid out to a specified limit or just replaced with a newer version of what was lost.
• The total loss claim has to be from certain perils in order to be covered by the policy. Anything that is not listed as a covered peril will not be paid replaced or fixed.
• Make sure to have a qualified appraisal from an expert. Without an appraisal there is no way to determine the value of certain items.

Your personal items mean a great deal to you. The older the item is found to be can mean the different between a cheap knock off or high value. If you have questions about how to list your antique items on your policy, Then you will need to contact your independent agent today. As your agent we can help protect your high dollar items with the right kind of home endorsement.