TPG Insurance

That engagement ring, heirloom necklace, or designer watch? It’s more than just jewelry it’s emotion, history, and serious value.

But here’s the catch: Most standard home or renters insurance policies only cover a small amount for jewelry, typically around $1,000–$2,500 for theft or loss. If your collection is worth more, you could be underinsured and not even know it.

✨ That’s where scheduled personal property coverage comes in.
It gives you:
💍 Full coverage based on appraised value
🌍 Protection no matter where the item is lost or stolen
💡 Coverage for mysterious disappearance not just theft

Whether it’s a recent gift or a piece that’s been in your family for generations, don’t leave it to chance. Protect it the way it deserves to be protected.

Could you list every item in your home by memory if you had to?

Creating a home inventory is one of the most powerful ways to protect yourself in case of a loss. It helps you:
📷 Document what you own
💰 Verify value for coverage
⏱ Speed up the claims process if something happens

You can do a quick inventory using:
➡️ Photos or video walk-throughs
➡️ A spreadsheet
➡️ Home inventory apps

Pro tip: Store your inventory in the cloud or email it to yourself so it’s always accessible.

It takes just a little time now, but could make a big difference later.

Did you know renters insurance doesn’t just protect you at home?

Your coverage typically follows you wherever you go meaning your belongings should be protected from theft even if they’re:
🎒 In your car
🏨 In a hotel
🏖 On vacation

It’s called “off-premises coverage”, and it’s one of the most underrated benefits of renters insurance.

So whether your laptop gets stolen from a coffee shop or your suitcase disappears during a trip your renters policy may have your back.

Small policy. Big protection.

Whether it’s a wedding ring, family heirloom, or luxury watch jewelry holds serious value.

But is it really protected under your home or renters policy?

Here’s the truth: Most standard policies only cover a small amount for theft or loss of jewelry often around $1,000–$2,500 total. If your collection is worth more, you could be underinsured.

💎 Jewelry insurance could help cover:
✔️ Full replacement value
✔️ Coverage for mysterious disappearance
✔️ Protection anywhere (not just at home!)

If your jewelry matters to you emotionally and financially, give it the protection it deserves. A quick appraisal and policy review could save you big in the future.

Renters insurance isn’t just for protecting your belongings it should also protects you from liability.

If someone gets hurt in your apartment (trips, slips, or even your dog bites a guest), it's possible you could be held legally and financially responsible.

That’s where liability coverage steps in. It could help cover:
🏥 Medical expenses
⚖️ Legal costs
💰 Settlements or damages

Most renters don’t realize how valuable this part of the policy is until it’s too late.

Liability protection is built right into most renters policies. And it costs far less than dealing with an unexpected lawsuit.

Your home insurance doesn’t just cover the structure it should cover what’s inside too.

But here’s a common oversight: There are usually limits on certain categories of belongings.

That means high-value items like:
💍 Jewelry
📸 Cameras
🎻 Instruments
🧳 Luggage
💼 Business equipment
…might not be fully covered unless you increase your limits or protect items separately.

Ask yourself: If something happened, would your policy fully cover what you own? If not, it might be time for a property inventory and a policy update.

Not sure if you need renters insurance?

Here’s some examples of what it typically covers:

👕 Clothes ruined in a fire
🚙 Belongings stolen out of your car
🏨 Hotel and food costs if your rental becomes unlivable
📦 Items lost in a move (depending on the situation)
😬 Lawsuits if someone is hurt in your apartment

And did we mention how affordable it typically is?

Many people are surprised to learn it’s often around $20/month.

If you rent, this small policy offers a big safety net.

Insurance isn't just about what you have it’s about how you live.

That’s why working with a local insurance agent matters.

We understand:
🌪️ What kind of storms hit your area
🏘️ How much homes really cost to rebuild nearby
🚗 What local roads and driving risks look like
🧾 How state laws can impact your policies

More than that, we actually listen to what matters most to you and tailor your coverage to match.

When you work with a local agent, you're not just buying a policy.
You’re building a relationship with someone who’s got your back long-term.

Home insurance does a lot but it doesn’t always cover everything. And knowing what’s excluded can save you major surprises later on.

Here are a few common exclusions:
🚫 Flood damage (that requires separate flood insurance)
🚫 Earthquake damage (often excluded unless added)
🚫 Wear and tear or maintenance issues (like mold or roof leaks from age)
🚫 High-value items beyond standard limits (jewelry, art, collectibles)

The good news? You can often add extra protection through endorsements or additional policies. The key is knowing the gaps before you need to use your coverage.

A conversation with a knowledgeable local agent can help you understand what you’re protected against and what might need a little extra.

When people say they have “full coverage,” they usually mean comprehensive + collision, but that’s only part of the story.

Collision coverage helps repair or replace your vehicle if you’re in a crash.

Comprehensive coverage covers non-collision events like theft, hail, fire, or fallen trees.

Rental reimbursement ensures you’ve got a temporary ride while your car is in the shop after a covered loss.

Emergency roadside service gets you help when you're stranded, flat tires, dead batteries, lockouts, and more.

Together, these coverages make up full coverage. It’s a more complete safety net, and it could save you a lot of time, money, and stress when life throws the unexpected your way.
Your car. Your peace of mind. Make sure it’s fully protected.