He did it. He got you THAT perfect holiday present. He went to THAT jewelry store. He got you THAT beautiful necklace. It sparkles and it shines as you glide into the New Year’s party just like you imagined.

Because this is a glamorous piece and not an everyday piece, you wouldn’t be caught wearing it at work. So where does that stunning piece of joy rest all day? In your home.

You may feel confident that because your homeowners policy covers contents within your home that you are good to go but you need to be aware that once those items hit a certain dollar amount, you’ll need additional coverage.

Because the gifts your family receives this holiday will not all come from the jewelry store, you’ll be happy to know additional coverage can be obtained for gifts such as computers, stereos, electronics and more.

To find out if you homeowners policy adequately covers your new favorite items we suggest the following:

1. Immediately following the holidays, contact your Bankers agent and let them know about the new addition to your home.

2. Get your items appraised. If you’re not familiar with appraisers in your area, your agent can recommend one for you.

3. Add a copy of the store receipt or gift receipt and add it your home inventory. It’s also a good idea to share a copy with your agent so they know the current value of the item.

4. Be smart about storage. When you’re away or if the items are not used on a daily basis, find a secure place such as a safety deposit box for safe keeping.

If you love that new necklace as much as he loved giving it to you, then take these simple steps to protect it and your peace of mind.

Contact your Bankers agent today and be better prepared for the holidays.

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