In an emergency, police, fire and rescue workers depend on house numbers to find YOU as quickly as possible. Finding your home - especially at night - can be challenging if address numbers are unreadable, hidden, unlighted or have missing numbers and may delay emergency responders from getting to you as quickly as possible.
Are your house numbers visible from the street? Are they set on a background of contrasting color? If your house is hidden from the street, are your numbers attached to a visible fence, mailbox or gate? Is your mobile home identified with your house number? If you live on a corner, does your house number face the street named in your address? If you've answered "no" to any of these questions, please follow the guidelines below to make sure your house number is easy to read:
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Most of us will never own a Picasso or a Rembrandt. But we may own (or someday own) a pricey piece of art. And that brings up the issue of how to insure fine art. When you think of separately insuring a pricey item, many people think of engagement rings and other kinds of jewelry. But extra coverage can also come in handy for anything from a valuable stamp collection to an expensive fur to—you guessed it—fine art. At ERIE, your art coverage is included in your personal property limit on your homeowners policy or renters policy. That should be sufficient for the vast majority of people who own fine art. Yet maybe you inherited or bought a piece by a real master. If that’s the case, you’ll want to consider a separate endorsement for your fine art. Even if your fine art is covered under your homeowners or renters policy, you may still want to endorse it under your policy. Doing so can let you choose a different deductible for your fine art than the regular policy deductible, modify the coverage or change how a loss would be settled. Getting your fine art appraised When it comes to how to insure fine art, one thing you’ll definitely want to do is get it appraised. An appraisal can help ensure that you’d be properly compensated if your art was stolen or damaged. An appraiser may authenticate your art to make sure it’s not forged. There are several ways to check a painting’s authenticity:
It’s a good idea to get an appraisal every few years since fine art prices can fluctuate. Make sure to save any appraisal documents with the bill of sale, certificate of authenticity and past history of sale. It’s also a good idea to take some photos of your art and include them in your home inventory. Have more questions about how to insure fine art? Then contact an insurance professional like an Erie Insurance agent in your community. |
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May 2017
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