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Personal coverage

Valuable Articles Insurance

Homeowners policies cap what they'll pay for jewelry, art, watches, and collectibles, often reimbursing only a fraction of an item's value and excluding losses like a lost or dropped piece. A valuable articles policy schedules each item at its full appraised worth and covers a far wider range of losses, so a single stone or heirloom isn't left largely unprotected.

Schedule Valuables Review Schedule Consultation

Who this coverage is for

This is for people who own high-value items such as jewelry, fine art, watches, wine, or collectibles that are worth more than a standard home policy will fully cover. It provides focused protection for those specific treasured items, often with fewer limits and fewer surprises at claim time.

What it can help protect

Valuable articles coverage is built around your special items:

  • Specific items — protection for named pieces like a ring, painting, or watch, often up to an agreed value.
  • Broad protection — coverage for many kinds of accidental loss, including certain situations a home policy may cap.
  • Mysterious disappearance — many policies cover items that simply go missing, not just theft you can prove.
  • Worldwide coverage — protection that can follow eligible items when you travel.
  • No depreciation surprises — payouts often reflect an agreed or appraised value rather than a reduced figure.
Regularly misunderstood coverages
Scheduled Personal Property vs. Homeowners Contents Limits

Why your home policy's contents limits fall short.

Key choices and underwriting factors

A licensed review will usually focus on item descriptions, values, and proof of ownership, travel/storage considerations, and standalone vs packaged placement approach.

Common Questions