The holidays are a time for gifting truly special items to your loved ones. If you or a family member received an expensive gift this holiday season, it’s important to update your homeowners’ insurance policy to ensure the item is covered. That way, you can be reimbursed for their value in the event they’re stolen or damaged by fire, water, or a similar type of disaster. Discover which items warrant an update to your policy below.

3 High-Value Items Requiring an Update to Homeowners’ Insurance

1. Exercise Equipment

Most exercise bikes, treadmills, and home gym equipment are considerable investments. Some cost thousands of dollars, but the value they provide for your health can be priceless. To insure yours are covered against damage or being stolen, make sure to include them in your policy.

2. Expensive Jewelry

insuranceItems like engagement rings and other diamond jewelry almost always call for an update to your policy. The wearer will have increased peace of mind knowing their new gift is covered if something happened.

3. Electronics

Gaming systems and other high-value electronics should always be included in homeowners’ insurance. Keep in mind that while items like TVs, computers, and gaming systems may be covered in the event of theft or property damage, power surges not caused by lightning are typically not included under the umbrella of coverage for homeowners’ policies. 


If you have new items to add to your homeowners’ insurance or you’re simply looking for a policy that will fit your needs, turn to Reed Brothers Insurance in Lexington, KY. This trusted, independent agency has been serving the community since 1912 and can provide you with the coverage you need in as little as 30 minutes. Request a quote from their team online, or call (859) 253-2728 to speak with one of their knowledgeable agents.