Acquiring New Valuables
: You don’t have to call your insurance agent every time you purchase a knick-knack for your home, but every once in a while, you will purchase (or receive) a valuable item that might need a floater or endorsement for full coverage. These items are typically jewelry, collectibles, furniture, antiques, and electronics. Every policy will define ‘valuable’ differently, thankfully your agent is just a phone call away and can tell you whether your home insurance will cover the item as-is, or if an addendum is necessary.