Can you add certain items like expensive items like cameras and phone to your homeowners policy?

Answers:2   |   LastUpdateAt:2012-06-06 08:14:37  

Question
infamous rj
Asked at 2012-05-18 14:07:09
if tyou add something like a more expensive digital SLR camera or iPhone to your insurance policy covers the damage? Beyond the house if your burnds down or something ..... say as dropping ?
Answer1JillAnswered at 2012-05-25 15:49:14
You probably need a separate policy called Policy of personal or Personal Inland Policy . Compare insurance companies to see which give you the coverage you want . Do not just go for the price. State Farm insures cell phones, cameras , etc., and can make no deductible. The prices of these policies are usually very minimal.
Answer2SarahAnswered at 2012-06-06 08:14:37
You can insure certain items separately from your homeowners policy , such as office equipment , jewelry , art , silver, and some electronics . You'll have to check with your agent to see what can be programmed, and how much.

Most times , if you do set it , covered for things like "oops I fell." HOWEVER . Most insurance companies do not want to make sure things like a cell phone under this coverage.

Most will also require that the subject is worth a minimum amount - like $ 500. They do not want to be doing a lot of small claims for items of $ 50.
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