Valuable Articles Insurance

As important as your actual home is, the things you keep in it can be equally valuable. You may not realize how much you've accumulated over the years that's worth insuring separately.

Your grandmother's wedding ring. A fur coat. A painting that's been in your family for years—it doesn't take long before you have a sizable investment in fine arts, jewelry, furs, or silverware.

Isn't my homeowner's policy enough?

Typically, a homeowner's policy doesn't provide the level of coverage you may need for valuable items. Specifically:

• The value of an item may exceed the limits covered by your policy.
• A deductible may limit your recovery amount.
• The cause of loss may not be covered by your policy.

When you insure your possessions with our Valuable Articles coverage, each item receives the individual attention it deserves.

What's covered?

Your valuables receive comprehensive coverage for a wide spectrum of loss situations such as mysterious disappearance and theft. Protection against breakage of fine art is available. In addition, your valuable possessions are covered worldwide. So no matter where you travel, you're protected.

What if I buy new stuff?

New purchases are usually covered automatically. By scheduling your valuable possessions, you have automatic coverage for most newly acquired jewelry, furs and fine arts for up to 30 days.

(Please note that the coverage is not a replacement for transit/shipping insurance. If you buy valuable articles and have it shipped home, whether from a nearby merchant, across the country, or overseas, coverage will not begin until the valuable articles are in your home.)

How much does it cost? (Question not answered)

Most Valuable Articles policy has no deductible. Your valuables are covered with fewer restrictions whether you just purchased an item, or it's been in your family for generations.

Wondering if you actually have valuable articles worth insuring? Use our Valuable Article checklist to find out.

Request a no-obligation Valuable Articles Insurance quote now.

See also:

• How to safeguard precious gems
• The Art of Caring for Fine Art

You might also consider :

• Single Family insurance
• Rental Property insurance