Valuable Items Insurance

Valuable Items Insurance

As part of our initial client intake we ask about valuables. We’re surprised to find homeowners that don’t have their valuables properly insured. They mistakenly assume their homeowner’s policy covers all of their valuable items without reading the policy and the special limits on common valuable items. We’ve seen policy limits at $1,000 for all jewelry – it’s common. And losing a ring isn’t a named peril, so you can forget about it being included in homeowner’s insurance coverage. Your better bet is a valuable items policy. You’ll be surprised how inexpensive it can be to properly cover your valuables!

Know Your Valuable Items Insurance Coverage
What can my Valuable Items Insurance cover?
  • Jewelry
  • Silverware
  • Fine Art
  • Furs
  • Computers
  • Guns
  • Cameras
  • Musical Instruments
  • China
  • Crystal
  • Golf Equipment
  • Postage Stamps
  • Coin Collections
  • Sports Equipment
  • Miscellaneous Valuable Items (Contact Us)
What is likely excluded from my Valuable Items Insurance?
  • Wear and Tear
  • Insects or Vermin
  • War
  • Nuclear Hazard
Content is for educational purposes only and is not an offer of coverage. Please read and understand your specific policy coverage and exclusions.

Insurance Tips

What to consider when selecting your coverage.

  • If you have a large collection of un-appraised items a blanket may be good for you.
  • Consider a personal articles floater for high value items.
  • Keep your valuable item appraisals up to date. Prices fluctuate, the ring you bought 10 years ago may be more expensive to replace today.

Claims Story

Cailin was out for a night on the town with her husband to celebrate his birthday. When she and her husband got back to the hotel at the end of the night she noticed her engagement ring was missing. After frantically retracing her steps throughout the night and turning the hotel room upside down, she realized it was a loss. She called the police to file a missing property report and called her agent to report the loss.

Lesson Learned

Cailin was prepared because she had valuable items insurance. The insurance company completed their investigation and gave Cailin the money she needed to replace her ring. She was glad she didn’t have the “it won’t happen to me” attitude, it saved her thousands.

Valuable Items Discounts

  • Multi Policy
  • In Vault
  • Claims Free