While homeowners policies can limit coverage or coverage amounts based on the type of item and cause of loss, valuable items coverage may provide the protection you need for your valuable possessions in the event of covered loss from, for example, theft or fire.
Jewelry and Valuable Items Coverage
From jewelry to collectibles, you might have more valuables than you realize. And your homeowners policy may not cover, or provide enough coverage, for those items. Valuable items coverage can help to give you peace of mind.
Consider Valuable Items Coverage For:
- Jewelry and engagement rings
- Silverware, china and crystal
- Fine art
- Stamp and coin collections
- Sound equipment (recorders)
- Sports equipment (archery, camping, fishing, skiing)
- Wedding gifts
- Musical instruments
- Golf Equipment
- Pedigreed dogs
- Garden tractors
Two Types of Valuable Items Coverage
Personal Articles Floater
This itemized coverage can give you some peace of mind knowing your belongings may be covered at the time of a loss. Offered as protection just for valuables, policies can be purchased separately. There is no deductible for most classes or types of property and the coverage insures against many risks. This is beneficial for more expensive articles that may not be covered or with values that exceed coverage that might be provided by a homeowners policy.
Valuable Items Plus
Available as an add-on coverage to homeowners insurance, a valuable items plus endorsement can offer higher limits on certain types of valuables and expanded protection. Unlike the personal articles floater where items are individually listed, blanket coverage can provide protection for a class of property collectively, such as jewelry, up to a certain amount. This coverage insures against many risks.
Protecting your valuables from loss may be an affordable option depending on your needs. Whether you just need coverage for your jewelry or want insurance for multiple valuables, we offer multiple options. So you can add on and choose the coverage that fits your needs.
Suzanne Brown Insurance Agency
A Texas Independent Insurance Agency with over 100 insurance carriers