Valuable Possessions Insurance

Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We will get you the protection you need for your most precious belongings in the event of loss through theft, accident, or natural disaster.

Are your most prized possessions properly covered?

Most homeowners insurance or renters insurance policies have a limit on how much they will pay for any single item. While this is fine for most possessions, it can mean you will not get the full amount for expensive items such as jewelry or artwork. That is where valuable possessions insurance comes in.

Ensures you get the actual value to replace what you cover

A valuable possessions policy has other benefits, in addition to making sure you are adequately covered. For example, you can get coverage based on the actual replacement value of the item that you are insuring rather than a generic market price. It is well worth getting regular valuations and keeping your policy up-to-date to reflect these figures.

Additional coverage for accidental damage

Valuable possessions policies may also have the option of covering accidental damage to expensive items like jewelry or artwork–something that is not always on option with homeowners insurance.

Covers what homeowners insurance alone cannot

Another option worth considering with valuable possessions insurance is coverage that is not restricted to your home. For example, a homeowners policy often will not cover loss or damage to jewelry that you wear out of the house–whether that is a necklace on special occasions or an engagement ring you wear every day. Valuable possessions insurance policies will often have the option to cover such losses.

Not sure if valuable possessions insurance is for you? Contact us and we will help you decide if this coverage is a good fit.

Request a valuable possessions quote to get started.