Debra Daniels Offers Insurance Advice about Homeowners Insurance and Personal Articles Policies

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olympia insuranceYou finally save a little extra money for that special purchase, be it a high-tech digital camera for the bird watching hobbyist or a stunning Chihuly centerpiece, but in one brief clumsy moment your treasure lies in pieces on the floor.

If you’re covered under a ‘Personal Articles Policy’ like the ones offered by the Debra Daniels Insurance Agency in Lacey, your tears are only temporary.  Many Homeowner’s policies don’t cover fine art breakage, and damage to possessions counts as a claim against your policy, subject to deductibles and raised rates.  With a Personal Articles Policy, in addition to your Homeowner’s policy;  art, cameras, and expensive items are covered, at a fraction of the cost, with or without a deductible,  in the event of damage.

A Personal Articles Policy isn’t just for the 1%, either.  This addition covers your household’s computer equipment, sports equipment, jewelry, and musical instruments as well.  This blanket coverage extends to kids at sports or music camps, college-aged children both home and in the dorms, and travel between it all…anywhere in the world.

Should you be lucky enough to inherit Aunt Mabel’s estate, you can also cover furs, silverware, fine art, oriental rugs, and collectibles!

Because such a policy is in addition to your normal coverage, it’s best to call your agent to discuss specifics.  Their knowledge can guide your decision-making towards the best coverage for your family’s needs.  As with any change in policy, chatting early is always best…just in case.

Debbie Daniels and her team are always available to chat, Monday through Friday from 9:00 a.m. until 5:00 p.m., at their 8765 Tallon Lane NE, Lacey offices, located 2 blocks pass Costco on Martin Way .  Should you have late night questions, you can email their offices or file a claim online and she’ll even arrange appointments off-site or after hours as needed.  Their phone number is 360-493-8284 and they’d love to hear from you.

 

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