received a gift this past holiday season, including those with a person insured, some restrictions automatically, like this fire, vandalism and losses are covered, such as wind. For people with no limits or their insurance policies, however, Grange Insurance, based in Columbus, the insurance company, offers new advice on how to ensure that the most precious gift years has been protected.

1 .???? limit for coverage, please check your insurance policy where you live.
Currently
, who are covered by the owner of an insurance contract, is donations such automatic fire damage, vandalism and loss of wind, etc., are covered by the policy, the situation Here it may be, the policy owner to cover the expensive gifts that were received during the holiday will not apply.

hand tools, have limits on certain types of coverage, John Ammendola, personal insurance for Grange President of the line said. In addition, any accidental damage of the components are generally not included in the policy owner. Insured loss or damage not only such increase in value, please consult with their insurance agent to discuss the expansion of the scope to include the gift of the limitations of coverage.

2 .???? self-insurance to obtain a precious gift.

, the owner of the policy, and if you do not have a rental apartment, consider investing in one, Ammendola said. Also, you can purchase a stand-alone inland marine policy to cover all the precious gifts received last year.

The jewelry, furs, art, musical instruments, coins, weapons, there may be limits on the value of items, including cameras and silver. Can limit the range of $ 10-5000 U.S. dollars, depending on the state of the majority of your gift, I bought less, these limitations are often not a problem, Ammendola said.

3 .???? ask for invoice or sales receipt of the gift giver.
In order to ensure the gift
, sales receipt or invoice recipient, related information including a detailed description of the donation and must be preserved. You may need to be evaluated.

given the gift of substantial value, consult your independent insurance agent for coverage, Ammendola said. Your agent, in order to provide adequate coverage, you need to know exactly what has gifts that will be the monetary value.

of real value and bequest. For more information on donations, because they are covered by home insurance, visit the http://www.GrangeInsurance.com, click on the home.

Grange Insurance is $ 1.3 billion in annual sales to $ 2.0 billion asset-based insurance company in Columbus, Ohio. Through its network of independent agents, Grange Auto, home, and provide life insurance protection. Founded in 1935, its affiliates, the Company and Tennessee, Wisconsin and Virginia, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, services insured in South Carolina provide. For more information, please visit http://www.grangeinsurance.com.

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