Our homes hold far more than walls and furniture. They’re filled with memories, heirlooms, and the meaningful possessions that tell our family’s story. From photo albums and antiques to jewelry and artwork, these cherished items deserve the same level of protection as the home itself. That’s where a well-structured home insurance policy makes all the difference. At Crown Reinas Insurance Agency, serving Los Angeles, CA, we offer the insurance solutions you need to keep your possessions protected.

Understanding What’s Covered

A standard home insurance policy typically includes personal property coverage, which protects your belongings from covered events like fires, theft, and certain types of water damage. However, coverage limits can vary. While everyday items are generally protected, high-value possessions such as fine art, jewelry, and collectibles often require additional coverage.

Adding Extra Protection

To safeguard valuable or sentimental items, consider a scheduled personal property endorsement (sometimes called a rider). This allows you to individually list and insure your most prized possessions for their appraised value. It not only provides higher coverage limits but may also protect against a wider range of risks.

Documenting and Preserving Your Memories

Taking an inventory of your belongings is another important step. Keep detailed records, photos, and receipts for valuable items, and store copies of these records in a secure, off-site location or cloud-based system. This documentation helps streamline the claims process if you ever need to file one.

Protect What Truly Matters

Your home insurance policy should reflect more than the cost of your house. Contact Crown Reinas Insurance Agency in Los Angeles, California, to review your current coverage and make sure your family’s most meaningful memories and valuables are protected for generations to come.