Insurance

[Tjspaw4186 <Tjspaw4186@aol.com>]

In a message dated 98-02-26 21:07:05 EST, you write:

<< We checked with our State Farm agent and they are included in our
insurance.
 Be sure that they know what you have and value.  One agent said we needed
 a separate policy.  When he retired, we switched to the person we knew
 who was also with the same company and he reviewed our policies.  He
 told us there was no need for a separate policy.
 
 Ann Flisrand
  >>
Having been around the insurance industry for 12 years, you can cover the
handbells either as a separate musical instrument on some policies under your
homeowners, pay a higher premium, but have coverage for accidental dropping,
fire, theft, etc.  Or you can just include it as any other household item that
would cover most types of house damage, such as fire, theft, etc but not
accidental dropping.  Third way would be a totally separate policy if your
agent wants more commission or if the homeowner's policy does not allow the
two above mentioned riders/endorsements.  Each national company will be
different.  I deal with over 30 different companies currently.

Mark H. Peper, Director
Wesley Ringers, Wesley UMC, Jeff City MO