Valuable Items Insurance
Specialized protection for your jewelry, art, and high-value possessions
What is Valuable Items Insurance?
Valuable items insurance, also known as scheduled personal property coverage, provides specialized protection for high-value possessions that exceed the limits of standard homeowners or renters insurance policies.
This coverage protects items like jewelry, fine art, antiques, collectibles, musical instruments, and other valuable possessions with broader coverage than standard policies. Items are individually scheduled with agreed values, ensuring full replacement without depreciation.
Standard homeowners policies typically limit jewelry coverage to $1,000-$2,000, making scheduled coverage essential for valuable pieces.
Items We Cover
Comprehensive protection for your most valuable possessions
Jewelry & Watches
Engagement rings, wedding bands, luxury watches, necklaces, bracelets, and other fine jewelry pieces.
Fine Art
Paintings, sculptures, prints, photographs, and other artwork from emerging to established artists.
Antiques & Collectibles
Rare antiques, vintage items, stamps, coins, sports memorabilia, and other collectible items.
Musical Instruments
Professional and vintage instruments including guitars, violins, pianos, and other high-value instruments.
Camera Equipment
Professional photography and videography equipment, lenses, drones, and accessories.
Designer Items
Luxury handbags, designer clothing, rare sneakers, and other high-end fashion items.
Wine & Spirits
Rare wine collections, vintage spirits, and other collectible beverages stored properly.
Rare Books & Documents
First editions, signed books, historical documents, and other rare literary items.
Sports Memorabilia
Autographed items, game-worn jerseys, championship rings, and other sports collectibles.
Coverage Benefits
Why scheduled personal property coverage is essential
All-Risk Coverage
Protection from virtually all perils including accidental loss, mysterious disappearance, and damage not covered by standard policies.
Agreed Value
Full agreed-upon value paid in case of loss with no depreciation, ensuring complete replacement of your valuable items.
Worldwide Coverage
Your items are protected anywhere in the world, whether at home, traveling, or temporarily stored elsewhere.
No Deductible
Most scheduled personal property policies have no deductible, meaning you receive the full agreed value upon a covered loss.
Pair & Set Coverage
If one item from a pair or set is lost, coverage includes the full value of the complete set, not just the missing piece.
Expert Claims Service
Access to specialists who understand valuable items and can facilitate proper repairs or replacements with qualified vendors.
Why You Need Valuable Items Insurance
Standard Policy Limits
Homeowners insurance typically limits jewelry to $1,000-$2,000 and has similar restrictions on other valuables.
Limited Coverage Types
Standard policies often exclude mysterious disappearance, accidental damage, and loss outside the home.
Appreciation Protection
Many valuable items appreciate over time. Scheduled coverage ensures your insurance keeps pace with increasing values.
Sentimental Value
Beyond monetary value, many items have irreplaceable sentimental significance that deserves proper protection.
Frequently Asked Questions
Protect Your Treasured Possessions
Get comprehensive coverage for your jewelry, art, and valuable items
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