Insuring collectibles

Bryan Creswell • January 18, 2023

Insurance for collectibles, also known as "collectibles insurance," is a specialized type of insurance that is designed to protect valuable items such as antiques, artwork, and other collectibles. These items often have a higher value than traditional household items, and as such, they require a different type of coverage.


Collectibles insurance can provide coverage for loss or damage due to a variety of causes, including theft, fire, and natural disasters. It can also provide coverage for loss or damage during transit, such as when an item is being shipped or transported to a new location.


One of the key benefits of collectibles insurance is that it can provide coverage for the full value of the item, regardless of its age or condition. This is in contrast to traditional homeowners insurance, which may only provide coverage for the depreciated value of an item.


Another benefit of collectibles insurance is that it can provide coverage for items that are kept in multiple locations. For example, if you have a collection of art that you keep in both your home and a storage facility, collectibles insurance can provide coverage for both locations.


It's important to note that collectibles insurance is typically more expensive than traditional homeowners insurance, but it is also more comprehensive. Therefore, it's essential to carefully evaluate your collection and determine which items need additional coverage.



When purchasing collectibles insurance, it's essential to choose a reputable insurance company that has experience in covering collectibles. You should also be prepared to provide detailed information about your collection, including photographs, appraisals, and documentation of purchase or provenance.

In conclusion, Collectibles insurance is a specialized type of insurance that is designed to protect valuable items such as antiques, artwork, and other collectibles. It provides coverage for loss or damage due to a variety of causes, and it can provide coverage for the full value of the item, regardless of its age or condition. If you have a valuable collection, it's essential to consider purchasing collectibles insurance to protect your investment.

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Helpful hints for staying safe while driving in winter weather.

By Bryan Creswell • June 8, 2022
W inter weather can be challenging for drivers, but with a few simple precautions, you can stay safe on the road. First, make sure your vehicle is in good condition before hitting the road. Check your tires to ensure they have adequate tread and are properly inflated. Make sure your windshield wipers are in good condition and that you have plenty of windshield wiper fluid. Next, plan your route before you leave. Check the weather forecast and road conditions. Avoid traveling in heavy snow or ice if possible. If you must travel in bad weather, let someone know your route and expected arrival time. When driving in winter weather, it's important to slow down and increase your following distance. It takes longer to stop on slippery roads, so give yourself plenty of time to react to other vehicles and road hazards. Use your headlights, even during the day, to increase visibility for yourself and other drivers. When braking, use a steady, gentle pressure to avoid skidding. If your vehicle begins to skid, take your foot off the gas and steer in the direction of the skid. If your vehicle has anti-lock brakes, apply firm, steady pressure to the brake pedal. Finally, be prepared for the unexpected. Keep a winter emergency kit in your vehicle with items such as a shovel, blanket, extra clothing, and non-perishable food. If you do get stranded, stay with your vehicle and call for help. By following these simple tips, you can stay safe on the road during the winter months. Remember to always drive with caution and be prepared for the unexpected.

Keep Your Home Fire Safe

By Bryan Creswell • June 8, 2022
F ire safety is crucial in keeping you and your family safe in your home. Here are some tips to help protect your home and loved ones from fire hazards: Install smoke alarms on every level of your home, including the basement and outside each sleeping area. Test them monthly and replace the batteries at least once a year. Develop and practice a fire escape plan with your family. Make sure everyone knows at least two ways out of each room and a meeting spot outside. Keep flammable materials like curtains, paper, and cleaning supplies away from heat sources like stoves, heaters, and candles. Unplug appliances when not in use, and avoid overloading outlets. Keep matches and lighters out of the reach of children, and teach them the dangers of fire. Keep an eye on food that is cooking on the stove, and don't leave it unattended. Keep fire extinguishers in key areas of your home, such as the kitchen, and make sure everyone knows how to use them. Don’t smoke in bed or leave lit cigarettes unattended. Regularly check and clean your chimneys, and make sure all heating systems are in good working condition. Keep a fire extinguisher and a fire blanket in the kitchen, and be sure to know how to use them in case of an emergency. By taking these steps, you can help protect your home and loved ones from the dangers of fire. Remember that fire safety is an ongoing process and it is important to review and practice your fire safety plan regularly.

Life insurance protects the ones you love.

By Bryan Creswell • June 8, 2022
Life insurance is an important financial tool that can provide financial protection for your loved ones in the event of your death. There are several types of life insurance available, each with its own unique features and benefits. Term Life Insurance: This is the most basic and affordable type of life insurance. It provides coverage for a specific period of time, usually between 10 and 30 years. If the policyholder dies during the term of the policy, the death benefit will be paid to the beneficiaries. Term life insurance is a good option for those who need temporary coverage or want to provide financial protection for a specific period of time. Whole Life Insurance: Also known as permanent life insurance, whole life insurance provides coverage for the entire life of the policyholder. In addition to the death benefit, whole life insurance also includes a savings component, known as cash value. Policyholders can access the cash value through policy loans or withdrawals. Whole life insurance is a good option for those who want lifelong coverage and the potential to build cash value. Universal Life Insurance: This type of life insurance combines the features of term and whole life insurance. It provides lifelong coverage and also includes a savings component, but the premium and death benefit can be flexible, allowing the policyholder to adjust the coverage as their needs change. Variable Life Insurance: This type of life insurance also combines the features of term and whole life insurance, but the savings component is invested in the stock market, which means the cash value and death benefit can fluctuate based on the performance of the investments. It is only recommended for those who are willing to take on more risk and have a higher risk tolerance. Group Life Insurance: This type of life insurance is often offered by employers as a benefit to their employees. It typically provides a limited coverage amount and is often less expensive than individual life insurance policies. When choosing a life insurance policy, it is important to consider your needs and budget. You should also consider the policy's death benefit amount, premium, and any riders or options available. A financial advisor or insurance agent can help you understand the different types of life insurance and help you choose the right policy for you and your loved ones.