Antique means made in or typical of earlier times and valued for its age.

Do you have antiques in your home? You may want to list the items you own. This will reduce the deductible and widen the coverage for these more precious items. An appraisal may be required by the insurer. This is usual for items of higher values.

If you do not want to list the items on the policy due to the increase of cost you may still wish to have an appraisal done for your own use. If there is a claim then you can clearly establish what you owned.

If you do an inventory of your articles in your home this will demonstrate to you how many antiques you own with estimated values. It is important to be aware of the fact that in a claim situation you are required to list the items to be repaired or replaced. When something bad does happen to you it is very upsetting. You will find it difficult to put together an accurate list of your valuables.

An antique vehicle can require separate insurance. It is usual to have an appraisal which would include detailed photographs of the interior and exterior with additional pictures of the engine. It is not uncommon to find that an antique vehicle is more highly valued then a new model of the same vehicle.

Often a person will have extra parts for their particular vehicle. Be aware that your home policy will have limitations for spare auto parts and you may have to consider a specialty insurer to get what you need.

Talk to your agent or broker to determine best how to protect your investment in this special vehicle.