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Valuable Items

Your possessions may be more valuable than you realize. Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles, and computer equipment. We can help you provide the additional protection you need.

What kind of property can be covered by valuable items coverage?

Common valuable items are:

  • Artwork
  • Golf equipment
  • Baseball cards
  • Jewelry
  • Books
  • Memorabilia
  • Coins
  • Musical instruments
  • Computers equipment
  • Oriental rugs
  • Firearms
  • Silverware
  • Furs
  • Stamps
  • When is valuable items coverage needed?

    Valuable items such as jewelry, furs, firearms, silverware and computer equipment are often covered in your homeowner policy for a minimum amount of protection. For example, you may have jewelry totaling $5,000 in your home, but your homeowners policy only covers a loss up to $1,000. If you have valuable items that exceed your policy limits, you will need optional protection called valuable items coverage.

    If your personal property exceeds the maximum limits available, you many need to purchase a separate valuable items policy.

    What does it mean to schedule your property?

    When you obtain valuable items coverage, you will be required to list or schedule out your property. This usually entails a detailed description of the property and its current appraised value.

    Are you paying too much for insurance?

    Let one of our experienced agents help you find the coverage you need at the most competitive rates.

     Call 800-340-4433 or send us an e-mail to contact a sales agent.

    All insurance policies have specific terms, definitions, conditions, exclusions and limitations, such as but not limited to flood, earthquake, mold, etc. It is important that you review your policies, and if you have any questions or would like a quote for any excluded or limited exposure, let us know. In the event of a claim, policy terms, definitions, conditions, exclusions and limitations will apply.