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Protects high-value belongings like jewelry, watches, artwork, and collectibles against loss, theft, or damage.
Valuable items insurance provides specialized coverage for possessions that exceed the limits of a standard homeowners or renters policy. It is sometimes called scheduled personal property, endorsements for jewelry or floater policies. You identify high-value items individually, assign a value based on appraisal or receipt and add them to your policy so they receive full, agreed protection.
- People with jewelry, watches, or designer pieces worth more than typical policy sub-limits.
- Musicians and photographers who use instruments or gear for work.
- Collectors of art coins, stamps , sports memorabilia or antiques.
- Anyone with items they want insured worldwide while traveling.
- To avoid low payout limits under a general policy.
- To get agreed value settlements rather than depreciated cash values.
- To obtain coverage for risks standard policies exclude such as accidental loss or off-premises use.
