Valuable Items Insurance
Specialized protection for your jewelry, fine art, and collectibles
What is Valuable Items Insurance?
Standard homeowners and renters insurance policies have strict limits on how much they will pay out for specific high-value items, typically maxing out at $1,000 to $2,500 for categories like jewelry or art. Valuable Items Insurance (also known as Scheduled Personal Property) provides comprehensive, scheduled coverage for your most prized possessions.
This specialized policy ensures that in the event of loss, theft, or damage, you are fully compensated for the appraised value of the item, often without any deductible. It also covers perils not typically included in standard policies, such as mysterious disappearance (losing an item).
Valuable items coverage often includes "worldwide coverage," meaning your items are protected even when you travel internationally.
What Valuable Items Insurance Covers
Broader protection for your most cherished possessions
Mysterious Disappearance
Coverage for items that are simply lost or misplaced, which standard home policies typically exclude.
Accidental Damage
Protection against accidental breakage or damage (like dropping a diamond ring down the drain).
Worldwide Coverage
Your scheduled items are protected anywhere in the world, perfect for frequent travelers.
Theft & Burglary
Full appraised value coverage if your valuable items are stolen from your home, car, or hotel room.
Agreed Value
In the event of a total loss, you receive the full scheduled amount with no depreciation applied.
No Deductible
Most valuable items policies have a zero dollar deductible, so you pay nothing out of pocket for a claim.
Items We Commonly Insure
Specialized coverage for your unique collections
Jewelry
Engagement rings, watches, and heirlooms
Fine Art
Paintings, sculptures, and rare prints
Collectibles
Coins, stamps, wine, and memorabilia
Instruments
Guitars, violins, and pianos
Cameras
Professional photography equipment
Firearms
Antique and modern firearm collections
Silverware
Sterling silver flatware and tea sets
Sports Equipment
High-end golf clubs, bicycles, and gear
Why Standard Home Insurance Isn't Enough
Strict Sub-Limits
Standard policies often cap jewelry theft coverage at $1,500 total, regardless of the item's actual value.
Deductible Requirements
If you claim a $2,000 ring on your home policy with a $1,000 deductible, you only receive $1,000.
Limited Perils
Standard policies won't cover you if a stone falls out of your ring or if you accidentally leave it at a hotel.
The Solution: Scheduling
By "scheduling" an item, you provide an appraisal and insure it for its full specific value, eliminating these gaps.
Frequently Asked Questions
Protect Your Most Prized Possessions
Get comprehensive valuable items coverage for your jewelry, art, and collectibles.
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