You want coverage on your home against fire and storms, and most people also want to cover the contents of the home as well. The standard homeowner’s policy in Minnesota covers contents as well as the structure itself. Rising Star Insurance in Saint Paul, MN is here to help you have the coverage you need for your particular situation.

On most policies items like furniture, appliances, clothing, rugs, and personal belongings.  This would include furniture in sheds or garages on your property as long as the small outside buildings are listed on your policy. 

Policies may also cover property in your car, such as a laptop that you had locked in the car in your driveway. The only problem may be the deductible, which may be more than the property is worth.  Property stolen, or damaged during a burglary is also covered, but again the amount of the deductible will be a determining factor as to whether it is worth it to make a claim.

If you have some very valuable items, like jewelry of a collection of some kind that has value, you might want to consider a rider on your policy. This would have to be declared when you get your insurance, and it would have to be included in the policy. It is a good idea to keep receipts just in case you do have damage and need to file a claim.

GIve Rising Star Insurance a call in Saint Paul, MN for your homeowner insurance needs. We can help you find just the right overage that fits you and your individual situation. We can also help you cover valuable items or special collections you may have inside your home. Also, remember to update your policy yearly to make sure you are covered.

Rising Star Insurance serving Maplewood, MN would like to discuss home accidents and how to prevent them.

What to do?

Sadly you can hurt yourself in many ways at home, from slips and falls, to sudden fires, to mishaps with cleaning supplies or medicines, especially with small children. The WikiHow site has comprehensive instructions describing how to prevent accidents in the home.  Some of the more important ones are:

• Keep your living space uncluttered. A toy left on the floor or a loose rug could cause you to slip and fall with harmful results. A wet kitchen or bathroom floor can also be a danger. Keep all areas well lit.
• Practice sound fire safety. Don’t keep flammable objects near fireplaces or space heaters. Check your electrical system for frayed wires. Install smoke detectors, and have a fire extinguisher ready, just in case. Don’t smoke and have a fire escape plan.
• Practice kitchen safety. Do not let food go unattended when it is cooking on the stove. Keep knives and other sharp objects out of reach of children.
• Keep all medicines and cleaning supplies under lock and key.

Be sure to take other safety measures, such as installing carbon monoxide alarms and keeping your sidewalks and driveway clear of leaves and fallen sticks. If you have a backyard pool, put a fence around it. Make sure your back yard is well lit. Keep your porch light on at night, and have important telephone numbers for your primary care doctor, poison control, and numbers of friends and family posted and on the contact list of your smartphone.

For more information on preventing home accidents, feel free to contact Rising Star Insurance serving Maplewood, MN.

A typical homeowners’ policy will provide coverage for losses resulting from damages to the structure of your home and some of your personal belongings inside. Items lost due to theft or burglary are also covered under this policy — BUT not all of them. For a loss to be covered by the homeowners’ insurance policy, it must be insured under any of the standard set of 16 specific perils included in a homeowners’ policy whether you’re in Saint Paul, MN or anywhere in the state.

Damages from vandalism, fire, hail, electrical current, falling objects, water (from plumbing issues), aircraft, hail, windstorm, volcanic eruption, etc. are generally covered under a standard homeowners’ policy. Theft and burglary are also covered. All damages are compensated up to a limit that’s explicitly stated in the policy. 

The Coverage for Jewelry and Other High-Valued Items 

Usually, jewelry and other high-value items in the house are covered if they are lost or damaged under circumstances involving any of the standard homeowners’ policy perils mentioned above — and often listed in the policy. The risk has to be explicitly listed in the policy for the loss to be covered. Remember that flooding isn’t covered under a homeowners’ insurance policy, so unless you have a separate flood insurance coverage, you will not receive any compensation if your piece of jewelry is lost or damaged in a flood. 

Increasing Coverage for Your Jewelry

More often than not, even when loss or damage occurs under covered circumstances, the payment offered doesn’t match the actual value of the jewel. Some insurance providers offer separate policies to cover jewelry and help their customers avoid excessive losses. This includes comprehensive policies and jewel floaters.

Home Policies with Rising Star Insurance

Based in Saint Paul, MN, Rising Star Insurance goes the extra mile to ensure that your jewelry is sufficiently covered under our comprehensive policies and other options. Give us a call today and talk to one of our agents if you want more details about our home insurance coverage options.