Valuable possessions insurance safeguards your most prized belongings.

Protect your most prized possessions with valuable possessions insurance.

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 won’t get the full amount for expensive items such as jewelry or artwork. That’s where valuable possessions insurance comes in.

Get the actual value to replace what you’re covering.

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

Additional coverage for accidental damage.

Some policies may also have the option of covering accidental damage to expensive items like jewelry or artwork—something that isn’t always an option with home insurance. These items may include:

Collections and heirlooms may require specialized coverage.

Antiques, fine art, collectibles, and family heirlooms often hold significant financial and sentimental value. Valuable possessions insurance may help provide more customized protection for these unique items.

Protect against theft and loss.

Expensive personal belongings may be vulnerable to theft, accidental loss, or damage both inside and outside the home. Specialized valuables coverage may help reduce the financial impact of covered incidents.

Covers what home insurance alone cannot.

Another option worth considering with valuable possessions insurance is coverage that isn’t restricted to your home. For example, a home insurance policy often won’t cover loss or damage to jewelry that you wear out of the house—whether that’s a necklace on special occasions or an engagement ring you wear every day. These types of policies will often have the option to cover such losses.Not sure if valuable possessions insurance is for you? Contact us to learn more.