Here are 21 Reasons to Purchase Deluxe Contents Coverage

The following are covered by deluxe and not standard (put in simple terms):

1) MYSTERIOUS DISAPPEARANCE – Jewelry, furs, silver, gold and guns that are lost or misplaced (up to special limits).

2) EARTHQUAKE – Deluxe contents affords earthquake coverage automatically for contents.

3) BROADER WATER DAMAGE – Damage to contents is covered if rain or hail enters through open window or door.

4) BROADER WIND DAMAGE – Losses due to wind entering an open window or door are covered.

5) CHILD-RELATED DAMAGE – Children running, wrestling or playing in a house can damage TV sets, stereos, furniture, etc.

6) CIGARETTE BURNS – severe scorching and scarring related to cigarettes and cigarette ash.

7) LOSS BY REPAIR – Jewelry, watches, and furs are covered while being refinished, repaired or renovated.

8 ) POWER OUTAGE – Food spoiled and related loss are covered when power fails (other than brown out or black out).

9) BREAKAGE TO “NON-FRAGILE” ITEMS – Jewelry, watches, bronzes, cameras and photographic lenses. *Example: Drop a camera and it breaks. *Example: Mishandle a watch and step on it.

10) DAMAGE BY GUEST – *Example: While you’re entertaining, a guest accidentally tips over a stereo/VCR system ruining it.

11) ENSUING LOSS CAUSED BY PETS – Related water or wind damage. *Example: Pet dog tears through screen door during rain/wind storm and loss ensures.

12) ENSUING LOSS AFTER POWER INTERRUPTION – Any physical loss that follows power failure.

13) SPECIAL WORDING FOR GROUND/SURFACE WATER – Although ground and surface water is excluded, it does cover such incident for contents away from a residence you own. *Example: Rent a beach house for the weekend and tidal waves rise damaging contents.

14) DAMAGE BY SPILLED BEVERAGE/LIQUID – *Example: College student spilling coffee on personal computer and keyboard, forcing replacement.

15) UNEXPECTED INCIDENTS – *Example: Infant wetting an antique sofa. *Example: Stray football thrown inside breaking a TV picture tube.

16) PERSONAL PROPERTY IMPROPERLY STORED – *Example: Numerous suits from dry cleaners in vehicle that goes through car wash with back window open. *Example: Furniture in garage damaged by rain when door not closed.

17) INTERNAL FALLING OBJECTS – Objects that fall within the home. *Example: Crystal chandelier coming loose and crashing onto dining room table, destroying it.

18) DAMAGE BY HOT OBJECT – *Example: Hot plate from the kitchen can shatter a glass table.

19) MOTORIZED VEHICLE FOR USE ON PROPERTY – *Example: Drivable lawn mower can crash into a tree after losing control, forcing replacement.

20) SPECIAL WORDING FOR TEMPERATURE/DAMPNESS LOSS – A loss due to dampness/temperature is covered if the direct cause of loss is rain, snow, or sleet or hail.

21) ACCIDENTS – Many unforeseen accidents are covered. *Example: Spilling liquid shoe polish on an antique chair or Persian rug.

To find out what you have contact your local Insurance Brokers of MN, Inc. agent for a complete review!