This time of year, most of us are doing a lot of shopping!\u00a0 Christmas gifts and holiday sales mean that everyone is buying a little bit more than normal.\u00a0 So what does that have to do with insurance?<\/p>\n
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Let\u2019s look at some common purchases and how you can make sure they\u2019re protected!<\/p>\n
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Electronics<\/strong> – Did you purchase a new flat screen TV or Xbox on Black Friday?\u00a0 Maybe a new laptop or some high dollar headphones?<\/p>\n <\/p>\n All of these items are covered for theft or fire (or any other covered peril) by your Homeowners or Renters Insurance, but they are subject to your deductible.<\/p>\n <\/p>\n However the BIG problem is that when someone has a major fire or burglary, they FORGET what they have!\u00a0 It\u2019s hard to remember every item in your home.<\/p>\n <\/p>\n That\u2019s why we recommend that you keep a Home Inventory of high-dollar items.\u00a0 Save your receipts, take photos, or just keep a list.\u00a0 Keep this info in a safe place (like a file backed up in the cloud), so that you can access it in case of a claim.\u00a0 This isn\u2019t required, but you\u2019ll be glad you have it!<\/p>\n \u00a0<\/strong><\/p>\n Guns, Jewelry, & Art <\/strong>– If you purchase high dollar, custom, one-of-a-kind, or collectors items, you need to contact us as soon as possible!\u00a0 These items will be covered by your policy, but may be limited to an amount much less than what they\u2019re worth.\u00a0 If you contact us, we can review your policy and tell you exactly how much coverage is available and if you need to add these specific items to your policy.<\/p>\n <\/p>\n And what about all of those gifts sitting in your car trunk?<\/strong>\u00a0 Yes, it\u2019s a great place to hide presents from the kids but here is the bad news – your auto insurance DOES NOT cover the contents of your vehicle.\u00a0 That means that if someone breaks in and steals everything, it\u2019s only covered by your Home or Renters policy.\u00a0 And if you have a large deductible, you could be out of luck!\u00a0 Get those presents into a safe location quickly and don\u2019t keep them stored in your vehicles.<\/p>\n <\/p>\n \u2019Tis the season for lots of shopping!\u00a0 Call us to make sure all of your possessions are properly protected!<\/p>\n Zappia Insurance and Financial Group<\/strong><\/p>\n 1-800-569-2867<\/strong><\/p>\n DuBois (814) 371-4901 – Pittsburgh (412) 265-6383<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" This time of year, most of us are doing a lot of shopping!\u00a0 Christmas gifts and holiday sales mean that everyone is buying a little bit more than normal.\u00a0 So what does that have to do with insurance? Let\u2019s look at some common purchases and how you can make sure they\u2019re protected! Electronics […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[93,10,27],"tags":[],"class_list":["post-320","post","type-post","status-publish","format-standard","hentry","category-christmas","category-homeowner-tips","category-renters-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t