Buying home insurance: how to customize your coverage

| February 27, 2019

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When you’re shopping for home insurance, your licensed insurance broker will walk you through the process and help you understand the ins and outs of the coverage available to you. But before you have that conversation, we’ve got five tips to help you make sure you get the right coverage right off the bat. Get enough coverage for your valuables. Most home insurance policies outline specific limits for different kinds of specialty valuables (like jewelry, sports memorabilia, collector comic books, computer software, artwork, and bicycles), and you might be surprised to find out how quickly your belongings can add up to exceed these limits. If your belongings in any given coverage category add up to an amount that goes beyond the limit, it’s best to purchase extra coverage to make sure you have the protection you need. Take stock of your higher-value items and be prepared to list them individually on your home insurance policy. Your broker can let you know if you need to have any of your items appraised by a pro beforehand. Bonus tip: If you add to your special collections throughout the year (when you receive a valuable Christmas gift, for example), don’t forget to contact your broker and add new items to your policy right away.

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Lawyers'​ Mutual Insurance Company California

For the past 40 years, Lawyers’ Mutual Insurance Company has been dedicated exclusively to insuring, educating and advancing the interests of California lawyers so that their practices, their future and their clients are protected and improved. Over the years, we’ve emerged as the leading provider of professional liability insurance, education and related services to benefit California lawyers, the legal profession and the community.

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