• Home
  • Contact Us
  • About Us
  • Get A Quote
  • Make a Payment
  • Testimonials
  • Rental Car Article
  • Blog
  • Privacy Policy
Call Us CALL US TODAY | 814.580.9992
Home
  • Home
  • Contact Us
    • Contact Us
    • About Us
  • Resources
    • Rental Car Article
    • Refer and Win Information
    • Refer a Friend
    • Auto Insurance Articles
    • Privacy Policy
  • File a Claim
    • File a Claim
    • ERIE Policy
    • Progressive Policy
    • Travelers Personal Policy
    • Travelers Commercial Policy
    • Farmers Policy
  • Get a Quote
    • Auto Insurance Quote
    • Homeowners Insurance Quote
    • Renters Insurance Quote
    • Motorcycle Insurance Quote
    • Watercraft Insurance Quote
    • Business Owners (BOP) Quote Form
    • Commercial Auto Insurance Quote
    • Contractors Quote Form
    • General Liability Quote Form
    • Workers Compensation Quote
  • Request ID Card
  • Make a Payment
    • Make a Payment
    • ERIE Policy
    • Progressive Policy
    • Traveler's Policy
    • Farmers Policy
  • Blog
  • Testimonials
  • Videos
    • All Videos
    • News Clips
    • Support Local Businesses
    • Charity Support
    • Whiteboard Videos
    • Miscellaneous
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Commercial Products COMMERCIAL PRODUCTS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Motorcycle Insurance MOTORCYCLE

Learn about different coverage options that fit your specific needs.

Read More
Hotel/Motel Insurance HOTEL / MOTEL

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Home > Blog > Protecting Transported Property
MONDAY, SEPTEMBER 24, 2018

Protecting Transported Property

Most people might think that when their belongings are off the premises, then insurance doesn’t cover that item, but that is false. When an item is off the property, it is still automatically covered by homeowner’s insurance. However, as with any coverage, there are limitations and exclusions, which probably doesn’t come as a big surprise to anyone. Certain properties carry unique exposure that may not be addressed by homeowner’s or renter’s insurance. It is important to know that insuring items will provide better protection for the product at hand.

One common example to illustrate the coverage difference could be a camera. Most photographers spend significant amounts of money on their camera and its accessories. Under the typical homeowner’s insurance, damage of fragile items like camera lenses may be excluded. But you can put this equipment on specific coverage that would include this possible damage, as well as other issues, such as water damage or loss.

There are many other items that can create the same predicament when being taken outdoors. Valuable sporting equipment can be exposed to outdoor hazards that a standard homeowner’s insurance would not address. An expensive diving knife, for example, falling to the bottom of the ocean may require special coverage to not be a total loss to the owner, for one example. One should consider insuring other items of concern, such as jewelry; it is all-too-common to lose a precious earring or a stone out of an expensive ring. Also important to insure, even more important than knives and jewelry, are belongings that are not for hobby purposes. Many people insure their medical equipment, such as their hearing aids or heart monitors to help them acquire a new one if theirs get damaged.

People don’t realize that even the things used for work should be insured. Recognizing the business exclusion under homeowner’s insurance is very important. Lots of people have mobile laptops that are being used for business purposes and they may contain some expensive software. In this case there are two types of damages that could occur: physical damage to the laptop or the loss of intangibles, such as software or data.

Another example would be if something is being purchased and needs to be transported, that will need to be insured, as well. This can include items such as, but not limited to, a snowmobile or jet ski. A jet ski will have to be insured under a boat coverage policy to be protected, while a snowmobile will have to be scheduled on an auto policy to have physical damage coverage while mobile.

With all this information, it is important to take precautions and act on getting things insured before it is too late. It is also important to know what is significant to someone and what will cause emotional hurting if it gets lost or damaged and get that insured
.

Posted 3:00 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011

  • insurance(22)
  • shop local(18)
  • what-to-do(11)
  • cash mob(8)
  • weather(7)
  • small business(6)
  • small business owners(6)
  • support small business(6)
  • auto(5)
  • thank you(5)
  • spotlight meeting(4)
  • charity(4)
  • home(3)
  • erie auto insurance(3)
  • testimony(3)
  • home insurance in erie(3)
  • home safety(3)
  • anniversary(2)
  • holiday(2)
  • car insurance in erie(2)
  • erie car insurance(2)
  • erie insurance(2)
  • car safety(2)
  • car insurance(2)
  • winter preparation(2)
  • auto insurance(2)
  • fall preparation(2)
  • homeowners insurance(2)
  • erie life insurance(1)
  • business(1)
  • homeowner and renters insurance(1)
  • protection(1)
  • food safety(1)
  • texting(1)
  • pets(1)
  • holiday safety(1)
  • erie homeowners insurance(1)
  • tornado(1)
  • pa car insurance(1)
  • canine insurance(1)
  • auto safety(1)
  • erie flood insurance(1)
  • home insurance coverage(1)
  • boating(1)
  • erie home insurance(1)
  • heating safety(1)
  • home owners insurance(1)
  • excess policies(1)
  • home-based business(1)
  • pa auto insurance(1)

View Mobile Version
Facebook
Twitter
LinkedIn
Instagram
YouTube
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Twitter Logo

Resources

Home About Us Get a Quote Rental Car Article Newsletter Contact Us

Contact Us

  • 4627 Peach Street
  • Erie, PA 16509
  • –
  • O: 814.580.9992
  • F: 814.866.5730
  • E: info@manlafins.com
© Copyright. All rights reserved.
Powered by Insurance Website Builder