‘Make sure that your personal
and home insurance is enough

THESE DAYS. most of us
| are watching what we spend
.and major purchases are
often something we save fer
- over a long period of time.

That’s why it's becoming in-
‘creasingly important to protect
our assets — they’ re ‘tough to
os replace.
~ - One of the best ways to protect
. what you've worked hard for is to
-make certain your home and per-
* “sonal Property are adequately in-
‘ sured,

While most of us have home in-
_ Surance, we tend to pay litile at-

tention to the details of exactly

, what it covers and whether or not

*§ enough. .

policies cover your home
ntents ‘against losses from
vandalism, burglary and
other. perils;-however, the exact
ze.of the coverage varies from

one policy to another.
°' For. example, - ‘some policies
uitomatically’ insure the contents
Of a percentage of the building
> “fimit, which means if. your policy
allows for 70% ‘and your house
was insured. for $120, 000, the con-
insured « for
is where many . people
make a: mistake. Eighty-four

“: thousand dollars ‘sounds like a lot -

of coverage but when you do a
quick™:inventory. of your belong-
ings and add. up what it would

Here® are: three--ways to make
enough.’ coverage.

destroved. : you’ "il. get towel
replace it father than

r, your. policy to.

-if. there are any limits on items

furs, or. coin collec-"

: Fo example, the limit on jewel-.

Can range . from’ $1,000: to
10,000 depending on your ‘policy.

* tneluding all painted.
foltart plecesi!: ~~

Atigust 7-31 only!

sia Time AROUND
“ANTIQUES”.

#4428 Main St, Vancouver ag
_.facross from ‘McDonalds
Restaurant at 29th St)

Call 879-2313 Em

Since these items may be worth
more than your policy’s limit, it’s
advisable to insure them separat-
ely based on their appraised value.

Third, to help determine how
much personal property coverage
you need and to help provide
proof of ownership in the event of
a claim, take stock of the contenis
of your home.

There are several ways to record
this information.
@ Write down a description of
your possessions room by room
and keep any receipts with the list.
® Videotape a walk through your
house, verbally describing the
items you’re taping. Include serial
number and purchase dates.
@ Take pictures of the major
items and attach the receipt to the

back of the photo.

It’s important to update this re-
cord ona regular basis. It might

‘be wise to leave it with a friend or

in a safety deposit box so that if
your home is damaged or
destroyed, your record won’t be
destroyed along with your other
things.

Some insurance companies have
developed inventory forms to
make the job easier.

The key with any type of in-
surance protection is to identify
your needs and with the help of
your insurance company, design a
policy to meet those needs.

Once this is done, you should
review your policy annually to
make sure your insurance is keep-
ing up to the value of your home
and contents.

— by MH. Parnu

Friday, August 21, 1992 - North Shore News — 47

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