HomeMy WebLinkAboutThe Huron Expositor, 1989-02-15, Page 42'P-age36
"Two
levels of
extraordinary
treasures"
Bridal
Gift Registry
We invite you to
register your gift preference
Bed & Bath Shop
Fine Furnishings
Lighting
Decorative Consultant
Accessories
8 The Square
Goderieh
Phone: 524-4400;
We've .been jto
a iot of
ed�dings
hen you see the great selection of Plain
and Diamond Set Wedding Bands, you'll
see why Anstetts have joined couples through
the years in saying the words "1 will".
This areas most engaging rings are
designed and manufactured by
Anstett Jewellers. Remember,
we can also custom
design that special
band just for you:
...engraving and sizing, no charge.
Anstett Jewellers can also help you with many gift ideas for your...
a BRIDES MAIDS USHERS a FLOWER GIRLS a RING BEARERS
All gifts engraved, boxed and giftwrapped free of charge.
EMB(R
44/CAN GEM SCf'
PRIVATE DIAMOND CONSULTATION:
Call the Anstett location nearest you tor an appointment
SI n,Liii,l ,ts t, rl 0, 19'.
Use Our
Convenient
LAYAWAY PLAN
EWELLERS
Al01"I ,1. CLINTON. 482-3901
2714 :-,I EXETER -235-2468
7h Minn ' •1 ' SEAFORTH..527.1720
1S'UUNrn ;+1 Last ST. MARYS..284-1036
70.1 Durham `.1 E. WALKERTON..881.0127
7 1 he Square GOOERICH..524-4195
well worth protecthv
Most people don't have the insurance
they need. It may have been enough four
or five years ago, but probably not
today.
Inflation has made your house, con-
dominium and your personal possessions
worth considerably more than they were
when you took out your policies.
THE RIGHT COVERAGE
Under a fire policy, your personal pro-
perty is insured for fire and additional
perils. With a standard homeowner's or
tenant's package policy, you are also
protected against such perils as theft.
This is of vital importance since most
of your possessions are portable and.
therefore, vulnerable to theft. It is essen•
tial that you periodically assess the
value of all your personal property in
order to establish a proper amount of
coverage.
Your basic home insurance policy
covers expensive items such as jewellery
and furs along with personal property
within Specific limits.
However, because of the higher in-
dividual value of certain jewellery, furs,
silverware and paintings, and, because
of their greater exposure to loss, they
should be insured specifically (schedul-
ed), either as an extension to your
package policy or in a floater policy.
These articles are generally covered
on a valued basis and the coverage
should be reviewed at least annually.
To protect yourself and to make sure
you know the full value of your posses-
sions, follow these four rules:
1. When you purchase furniture, ap-
pliances, antiques, art or collectibles
such as stamps, get a receipt and file it
away in a steel box. In fact, for double
protection, you might also consider mak-
ing a photocopy of the receipt and keep-
ing it at your office, with your accoun-
tant or lawyer, or in a safety deposit box
at your bank or trust company.
2. Inventory all your possessions
room by room. This doesn't take much
time and is well worth the effort. After
all, if you had a fire in your house or
apartment, would you be able to
remember what you had'? It also helps ti•
mark driver's licence numbers or social
insurance numbers on items that are
common targets for burglars, by means
of a special engraving pencil or invisible
ink pen. You should also keep a record of
the numbers or identifying marks on
your valuables.
3. Have your more valuable posses-
sions, such as art, antiques and
jewellery, appraised from time to time.
The appraisal report will go a long way
to proving the value of any loss you
might suffer and will also serve as a
guide in arriving at the amount of in-
surance you place on the item.
4. Take a photograph of every room in
your house or apartment. As a matter of
fact, take two or three shots of each
room from different angles. Videotape is
another excellent method of recording
the contents of each room, and easy to
store in cassette form. Photographs or
videotape will help you prove the condi-
tion of your property and back up any
claim that you make to an insurance
company.
1 eater s. 'e than sorry
1 ,
�. .. nc ct'. vacationers
While on vacation people often leave
thousands of dollars' worth of equipment
locked in a car, sometimes in remote
locations for a number of hours, while
they see the sights or wander through
wooded trails.
Many a vacation has been ruined with
the discovery that such valuable posses-
sions have been stolen from the unat-
tended vehicle.
All too often vacationers who are vic-
tims of a theft discover that while some.
of their personal property might have
been covered by their homeowners' or
tenant's insurance, a lot of it is not.
Things such as cameras, tape
recorders and portable radios and televi-
sion sets, camping items and other
recreational equipment may require
special coverage over and above your
household insurance.
CONSIDER A RIDER
If you plan to take a travelling vaca-
tion you ,should contact your insurance
company representative or broker. Let
him or her know what you plan to take
with you and determine what is covered
'under your household insurance.
Decide how essential it is to take the
item(s) along with you and consider ad-
ding a rider to your policy to provide the
necessary added protection.
. In making an insurance claim there
are basically two ways in which
something can be reported missing: 11
theft, where there is evidence of break-
ing and entering, and 2) mysterious
disappearance where there is no
evidence.
In modern cars there is seldom any
evidence of forcible entry as most are
quite easy to get into without damaging
locks, windows or doors.
In some policies theft,is covered com-
pletely while mysterious disappearance
is only partially covered. Be certain you
understand your policy and the scope of
coverage.
If articles are stolen you must notify
police authorities in the area where the
incident occured.
MAKE A VISIT •
Before you leave for your vacation,
prepare a list of all items you'll be car-
rying with you (including serial
numbers) and keep the list in a safe
place, along with a record of your
traveller's cheque numbers.
Another word of advice: do not tempt
would-be thieves by leaving valuable
items laying on the seat of your car or in
plain view. Lock them in your trunk.
Andnever leave your car unlocked;
not even fora few minutes. Those few
minutes are all a car thief needs to take
off with your car and everything in it.
•