Checked your insurance policy lately for coverage of your antiques?

As an appraiser I tend to take care of other’s peoples needs far more than my own. My latest homeowner’s insurance policy caused me to take a second look at the coverage for my antiques. Yes, I do have them including some furniture, lots of carnival glass, Belleek porcelain, blue transferware plates, china, depression glass, etc. I also have some nice jewelry my husband of 48 years has given me. I called the agent and discovered I only have $1000.00 coverage on my antiques and $1000.00 on my jewelry! She then informed me I needed an appraisal! Well guess what I am an appraiser and now I have to have someone come appraise my property. So don’t think because you have household contents coverage your antiques are all covered under the contents. Check with your agent and call a certified appraiser to appraise for insurance replacement cost of your property. To further protect yourself inventory the items, photograph them and give a copy to a trusted friend on put on a flash drive in a safe deposit box. In case of loss it will jog your memory.


About askbeverly

Who am I? I am an individual who values the contents of people's homes for a variety of reasons. I'm called a "personal property appraiser" and certified by the International Society of Appraisers which requires educational courses, examinations, keeping up with current tax laws and every two years taking a course called the Uniform Standards of Personal Property Appraisals. Every five years, I am required to keep up my ISA certification by proving I have a minimum of 100 personal property development credits - that's course hours and actual research time spend on appraisal work. As a long time collector I have turned a hobby into a profession and for the last 22 years worked as an independent appraiser. My specialties include china, pottery, sterling silver, crystal and glassware, costume jewelry, Carnival Glass, Belleek Irish porcelain, collectibles and furniture. Why do you need an appraisal? The purpose of an appraisal may be for obtaining insurance, probate of an estate, equitable division of an estate or divorce, or a damage claim. I also give lectures on several different topics to antique clubs, provide consultations in person, by phone and through email. No my service is not free! But I will also advise you if I believe it is in your best interest to do research on your own if you just want an idea of what something is worth rather than pay for an appraisal.

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