Protecting Ourselves From The Grinch

Most of us are now enjoying our Christmas gifts, maybe a TV or tablet, but what if the Grinch strikes and we have those items stolen? That’s what happened to Bill Rickley and his wife.

They moved to their home near 60th and I-80 recently. Then last Friday, a burglar swiped their electronics. The couple is covered by insurance for their home and cars.

State Farm Insurance agent Matt Dougherty says it’s not a bad idea this time of the year to make sure we are ready if thieves strike.
Besides the items stolen and the $1,000 out of pocket deductible, Rickley says the couple’s sense of security was also violated.

“It's just kind of a strange feeling, you are glad you have your insurance so that you can get things covered and everyone says that, everything is covered with insurance right? But it's a pain to have to go through all the different things and being a newlywed couple it's kind of a new event for us for sure, it's going to try us a little bit," says Rickley.

Dougherty says this is a good time of the year to sit down with your insurance agent and have them go through your policy and see what’s covered. It’s also a good time to take inventory of your personal items. He says a good thing to do is snap pictures of our electronics and keep serial numbers and receipts for them. He says it’s not a bad idea to send that information to our insurance agent as well.

It’s also good to find out if we have a replacement cost or actual cash value policy. Dougherty says the difference is actual cash value will replace our stolen item minus depreciated value, so we may not receive the full amount you paid with that option.

For things like guns, jewelry, and fur we may need a separate insurance policy.

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