Personal property ins.
We have been full-timing for 10yrs and for the first time almost lost everything in a wildfire. We thankfully survived it all with no damage. We are with Progressive and have 40,000 on personal conten...
Forum Discussion
bob213 wrote:
Buy a rider policy or umbrella policy to cover your musical equipment.
An umbrella policy increases the underlying policy limits for liability coverage (i.e., bodily injury or property damage that you cause). It won't increase the coverage for loss of personal property. To have that covered, you have to get valuable personal property coverage, and schedule the items individually. I had to provide a receipt for the property I scheduled, and the yearly premium is 1% of the item's value.
Also, speaking of umbrella policies, most people don't realize that most standard umbrella policies don't increase limits for uninsured/underinsured motorist coverage. You have to buy "excess uninsured/underinsured motorist coverage" for that, and I think it may not be available in all states.
