Typical Homeowners insurance policies provide broad coverage for your personal possessions, including limited coverage for valuable items, including jewelry, silverware, furs, and firearms. Homeowners coverage may not protect you, however, for some types of losses, such as a stone falling out of a diamond ring, an antique statue that is accidentally broken, or a personal computer damaged by flood in the basement.
Most Homeowners policies also set dollar limits on the amount of protection offered to cover the theft of jewelry or furs, firearms, silverware, and other similar items. Optional add-on coverage to the Homeowners policy is available to provide expanded protection for special property.
If you own extremely valuable items, the optional add-on coverage may not be enough. For example, if you own a diamond ring valued over $10,000, or a collection of fine art valued over $50,000, you need more protection and should buy a separate Valuable Items policy.
Many different items can be protected by the Valuable Items policy, including:
Discuss your unique property with our agents to determine its insurability and value.
This description of coverage is not an insurance contract. Your policy is the contract that specifies and fully describes your coverage. Conditions and exclusions will apply. Not all coverage described is available in all states.