It’s important to have coverage for your stuff.  Whether it is your personal property in your home, or your equipment for your business.  I encourage everyone to evaluate their coverage amount and at the same time, make sure that coverage is there for you if you need it off your premises.

On a personal lines policy, you will want to know if your personal property is covered if you have your things stored in a storage facility or a second home.

In your business, there is an extra line of coverage called “off premises property”.  Again, if you have you equipment stored off site, this coverage will need to be added and dialed in.  Your base policy, will cover your belongings, but it will exclude coverage if you have things stored off site.

There is another coverage called “blanket” coverage if you have multiple locations for your business.  If this options is selected, your equipment will be covered at any of the locations listed on the policy.

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