Young couple selecting engagement ring at jewelry store

How to Add Your New Valuable Items to Your Insurance Policy

by David Beigie

Did you purchase or receive an expensive gift this holiday season? If so, you should contact your insurance agent about insuring your valuables. 

Homeowner insurance policies typically cover personal property up to a certain dollar amount for things like furniture, clothing and other personal possessions. High-value items like jewelry, artwork, smart phones and computers will likely need extra coverage and should be listed on your policy. Other items to discuss adding to your policy include recreational motor vehicles (like ATVs, UTVs and four-wheelers), watercraft (such as a jet ski) and firearms.

What does home insurance cover? Learn more about home insurance.

After the holidays are over it’s a good time to take a video inventory of your home and belongings. It takes about 10 minutes to walk through your home, video your things, narrate the video and for bigger ticket items, like electronics, point the camera at the make, model and serial numbers.  Save the video in your email and share a copy with your insurance agent to save on file.   

What are other reasons to check on your home insurance coverages?

There are many instances in which your unique needs may need added protection, such as if you run a business from your home, or if you want liability insurance to protect you from the financial impacts of someone being injured on your property. 

View our available homeowner insurance coverages or get a home insurance quote.


For more information or to set up an interview with a local COUNTRY Financial representative, contact


Updated 12-7-23

You may also like

  • Married couple first-time home buyer

    Homeowners Insurance 101

    Before you get a homeowners insurance quote, understand the basics of home insurance. What is home insurance? Find out that information and more.

  • Hispanic male sitting on couch looking at phone

    Home Inventory for Insurance Claims

    If you had to file a home insurance claim, could you list all items in your home? Create a home inventory to make future home insurance claims easy.

Ready to start?

Connect with your local rep or call us at 866-COUNTRY (866-268-6879). Learn more about home insurance.  

Request a quote

COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.

About COUNTRY Financial®

COUNTRY Financial ( serves about one million households and businesses throughout the United States and offers a full range of financial products and services from auto, home, business, farm and life insurance to retirement planning services, investment management and annuities.