Valuable Items Insurance
The definition of Valuable Items extends beyond dollar value. Sure, the items you own that are worth significant amounts of money are worth protecting. They’re assets. But so are family heirlooms. However, may items fall under both categories. Be they family treasures or expensive jewelry or, as if often the case, both, you want to insure their safety.
People who own or collect valuable items – comic books, stamps or period jewelry, clothing or antiques – rarely let them out of their site. The same goes for gold, silver, or even high end electronics and professional equipment. We cherish them and consider them part of our livelihood, nest egg or economic security. And they should be protected as such.
Do you sometimes wonder if your jewelry or similar valuable items are covered under your standard homeowners insurance policy? You may be surprised to discover that some forms of personal property – such as silverware, computers, guns, antique bills and coins – have limited coverage under your homeowners policy. You may need additional insurance to protect them in the event of damage or loss. Homeowners insurance policies have limits on the amount of coverage provided for valuable items, typically including jewelry, silverware, furs, rare firearms, and collections of coins, comic books, stamps, and toys.
Values on collectibles and rare items fluctuate often, so items such as fine art, antiques, and the categories mentioned above are rarely covered for their true market value. That’s why we recommend insuring these items separately. With our help, you can secure coverage on an itemized basis. You’ll know exactly how much your valuables are insured for without having to worry about fluctuations in value.
These items are important to you. Let us help you enjoy them with peace of mind.