Other Personal Property Coverages

There’s no greater disappointment when it comes to insurance than filing a claim only to discover that your policy doesn’t offer you sufficient coverage. At RNI, we care about protecting you from all unforeseen disasters and giving you the knowledge you need to be sure all your assets are secured.

Additional Coverages You Should Consider

We want you to be completely protected, so be sure to contact us to discuss any potential coverage gaps. Here are a few of the common ones:

  • Dwelling Fire Insurance: Unfortunately, there are some natural disasters that are not normally covered by homeowners insurance policies. Be sure to speak to your RNI agent about whether you need a policy separate from your homeowners to insure you against damage caused by fire, smoke, floods, earthquakes or other catastrophic events.
  • Renters Insurance: Renters insurance covers the personal property within the apartment or house you’re renting if it’s ever stolen or vandalized. It also gives you liability coverage if someone is ever injured in your home, as well as temporary living expense coverage if your home ever becomes uninhabitable.
  • Boat Insurance: A boat insurance policy will cover the cost of any accidents out on the water, including injuries and repairs in case of collision, theft, fire, vandalism or bad weather. Roadside assistance and on-water towing are also good coverage options to protect you if the vehicle towing your boat ever breaks down or you get stranded out on the water.
  • Recreational Vehicle Insurance: If you have an RV that you drive, you’ll need to insure it the same way you would any other vehicle. If you have an RV that you tow around, it will have liability coverage under the towing vehicle’s policy, but it’s still smart to have collision and comprehensive coverage for the RV and trailer since these are items that are costly to repair or replace.
  • Antique Car Insurance: If you own a muscle car, hotrod or any classic or antique car, the protections that a normal auto policy offers may not be enough. Given that towing and repairs cannot be done on antique or classic cars by normal auto repair shops, in the event of an accident, an antique car insurance policy will cover the cost of bringing your vehicle to specialists.
  • Motorcycle Insurance: Just like the insurance on other vehicles, a motorcycle insurance policy will include liability, collision and comprehensive coverage. You also have the option of including coverage for customized parts if you’ve modified your bike.
  • Wedding/Event Insurance: A wedding or other special event insurance policy covers the cost of rescheduling your event if it needs to be cancelled because of extreme weather, a venue shutting down or other vendor issues. It will also cover the cost of replacing stolen gifts and for any unforeseen illnesses, injuries or property damage that may occur at your event.
  • Luxury Item Insurance: We understand that your jewelry, guns, art collection or musical instruments hold sentimental value that make them irreplaceable, but we still recommend insuring them, especially since they would not normally be covered under your homeowners policy. A luxury item policy will ensure that if your precious items are stolen or vandalized, you will be reimbursed for the cost.
  • Umbrella Insurance: Sometimes, an accident is so catastrophic that the coverage limits of your auto insurance or homeowners insurance policies aren’t enough. For instance, it’s common for auto insurance policies to have a limit of around $50,000 for property damage. If you had the misfortune of getting into an accident with a high end luxury vehicle, your umbrella insurance policy would kick in to recover any remaining balances after your auto insurance policy’s limits were reached.

These are just a few examples of the policies that we frequently recommend for our clients. Your RNI agent will take the time to get to know you, learn about your specific circumstances and assets, and help you fill any coverage gaps so you’re fully protected!

Complete the brief form you see to the right, and someone will contact you within 24 hours to walk you through what policies will work best for you. We pride ourselves on integrity and offering each of our clients personalized service. Once you’re an RNI client, we promise to use our knowledge and expertise to advise you the same way we would a loved one. Let’s get started!

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Dear Mr. Nelson, Wow! What a pleasure to meet you! You really surprised us by coming to our little company. It is such a welcoming feeling to know the ladies we usually deal with have such a gentleman to work for. We enjoyed having full circle of help for our company. Although we may be small, hopefully we will grow. We really enjoyed Cathy and her information. Please stop by anytime. Thank you for lunch too. Many thanks, Cecila


I’ve got nothing but good things to say about Raymond Nelson Insurance Agency Inc., my Agent, Linda Wood and the team at RNI. I had lost all faith in insurance companies until that disaster with a former agency. Linda Wood at RNI stepped in and picked me up when I was down and restored my faith in Insurance Agents. There are some really great people out there who truly do appreciate my Business.

Billy Fannin

The last thing you want to have to worry about after a catastrophic event is the timeliness of your insurance company to put things back to normal in your life.

In June of 2019, our family, by the grace of God, survived a horrific tornado, however our home, car, workshop and personal belongings did not. After the initial shock, we immediately called to report our claim. We are insured with Raymond Nelson Insurance and Safeco and within minutes of us filing the claim, we were contacted by an adjuster. One adjuster drove from Louisville and the other from Cincinnati the next morning to sit down and discuss the next steps of getting our lives back in order.

They made us feel like a part of their family. On a scale of to 10 we will definitely give them a 10.5! We never had to question them about anything and trusted them 100%. We are recommending Raymond Nelson Insurance to our friends and family!

Alicia & Bryant Bond

Thanks for all of your work on our insurance! Have an awesome day!

Kristi and Larry / CHT, LLC