a collection of videos and records protected by a Chicago homeowners' insurance policy

Home Insurance for Committed Collectors

Just as some people adore the outdoors and some love shopping, or surfing or cinema, collecting is a passion for many. Whether it’s rare books, artworks, ornaments, oddments, vinyl, or video, a collection may be a reflection of years’ spent saving and scouring. It makes sense therefore to protect any collection as best you can. Home insurance in Chicago may assist but money is no replacement for many collectibles.

The first step is to take a look at your home security. Consider if you have solid deadlocks on the front and back doors, window locks, a smoke alarm and fire alarm. They’re a great foundation from which to build. Some might look to a burglar alarm or even a video security system if your collection is of value.

It’s often a good idea to catalog a collection. It need not be a detailed catalog, but simply enough to work out the number of items and an approximate value. This is useful both for you to work out how much contents’ insurance you have in place, and to assist the insurance company should you ever need to make a claim.

It’s also worth remembering that most Chicago home insurance policies have a cap value per item so if you have valuable items in your collection, you might be advised to take out a separate valuable items policy.

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