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Standard Michigan homeowner insurance policies have coverage limitations for many items in the home due to the nature of what they are.  Some limitations can be in the form of a specified dollar limit for certain causes of loss, in other cases items may not be covered for breakage, and yet others may be excluded from the replacement cost provisions that otherwise apply for your home contents.  In all cases, if covered by the standard homeowner policy, your deductible will apply.

We can arrange for special coverage as a separate “floater policy” or as an endorsement or rider on your homeowner policy.  While there are still exclusions, this special coverage will eliminate most of the limitations, broaden the scope of coverage, and eliminate the deductible!  And, it will assure you of being compensated for the item’s true value.  The really good news is that the cost to insure for most collectible items may be much less than you think! 

Just look at the kinds of items we have insured for our customers…

~ Advertising Memorabilia
~ Animation Art
~ Antiques
~ Automotive Memorabilia
~ Books (rare)
~ Bicycles
~ Cameras
~ Carousel Animals
~ Ceramics
~ Clocks (antique/collectible)
~ Crystal / Glass
~ Comic Books
~ Coin Collections

~ Die Cast Cars/Trucks
~ Dolls
~ Figurines
~ Fine Arts
~ Furs
~ Guns
~ Holiday Collectibles
~ Jewelry
~ Juke Boxes/Arcade Games
~ Military Memorabilia
~ Miniatures/Doll Houses
~ Model Trains & Layouts
~ Movie Memorabilia

~ Musical Instruments
~ Pottery & Collectible Plates
~ Prints (limited editions)
~ Quilts (antique/collectible)
~ Radios/Victrolas
~ Sports Equipment
~ Sports Memorabilia
~ Stamp Collections
~ Teddy Bears
~ Toys & Action Figures
~ Trading Cards
~ Wine & Accessories


Call us at 734.421.9900 or contact us online for more information on insuring your precious possessions and find out how inexpensive it can be for you to do it right!

Richard D. Bernard, AAI, CIC

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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.
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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake