Optional Coverages

Tally It Up
If you’re like most people, you may not realize the value of everything you own. And, you may assume your current homeowners insurance will cover all of your valuables. Think again. You may have personal property that’s either not covered under a policy or that’s worth more than the coverage limits available with Personal Property Protection.

Take the time and do a quick mental inventory of your personal property. Maybe you’ve purchased a valuable piece of jewelry or you have a growing collection of art. Or maybe you have a full set of quality tools around the house that you use in your business. Burnette Insurance Services offers Optional Coverages to address these situations and others by extending your protection to reflect the value of your possessions.

Read more about the different Optional Coverages available. I can help you understand which coverages, limits and deductibles are right for you.

Protection That’s Made to Order
Optional Coverages help you tailor your policy and enhance your protection by:

• Increasing the amount of coverage—for example, having Extended Coverage for Jewelry, Watches and Fur protects a wedding ring or an expensive watch from loss or damage.
  
  
• Affording coverage that may not be included in the policy, like Building Codes Coverage or Lock Replacement Coverage.
  
  
• Adding to the types of losses covered in your policy. These Optional Coverages offer more comprehensive protection—extending your coverage for valuable items, such as musical instruments and sports equipment.

Optional Coverages
Increased or enhanced coverage is available for many of the valuable items in your house, such as:

• Jewelry, watches and furs
• Sports equipment
• Cameras
• Musical instruments
• Money, bullion, bank notes and coins
• Securities, deeds, passports, tickets and stamps
• Theft of silverware
• Computers and other electronic data processing equipment
• Business property
• Building Codes Coverage

Additional Coverage
Other Optional Coverages are available to protect those insurance needs that may not be included in the basic policy—such as a home day care or an incidental office, private school or studio. These Optional Coverages can extend your Family Liability and Guest Medical Protection to business activities at your home. Burnette Insurance Services also offers Optional Coverages for your technology investments, like your satellite dish antenna and your cell phone, or any other portable cellular communication systems.

Contact Us  to learn more about the Optional Coverages available to you…so your Burnette Insurance Services Homeowners Insurance Policy helps you address your insurance needs.

Scheduled Personal Property
Looking for a higher level of protection? Read more about Scheduled Personal Property (SPP)—and then contact us  to discuss if SPP or Optional Coverages are right for you.

* All coverages are subject to availability and qualifications. Other terms, conditions and exclusions may apply. This is a brief description of coverages; this is not a contract. Please read an Burnette Insurance Services policy for full coverage details