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When you purchase that beautiful imported Persian rug, you might want to keep the receipt, and get the rug appraised so that you will have a record of its exact value. It may be wise to present copies of both documents to your California insurance agent. Your agent may be able to tell you if you need to purchase additional financial protection for your Persian rug. Chances are your standard homeowners’ insurance policy may not include enough coverage for such an expensive item.

It may be best to insure your rug for replacement value, which could enable you to replace it with one of equal value in the event it is destroyed in a fire or other covered peril. You may need a policy floater or endorsement in order to obtain the right financial protection for your rug. Additionally, you may want to have your Persian rug professionally cleaned at least once a year to keep it in good condition.

Authentic Persian rugs are handmade in Iran. It may not be easy to find a Persian rug today, as the U.S. has a trade embargo on goods from Iran. You may be able to find a rug that was already in the U.S. or another country prior to the embargo. The rarity of some Persian rugs may make them even more valuable, so it might be especially important to contact your California insurance agent to purchase the right policy for your Persian treasure.
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4244 Overland Ave | Culver City, CA 90230 | Ph: 310.837.6101 | Fx: 310.837.7559 | tower@tower90230.com

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