Jewelry, Guns, Fine Arts
Protect your precious collectible items by adding a valuable articles policy to your homeowners, condo or renters insurance. Items such as jewelry, silver, crystal, fine art, antiques, furs, guns and other unique collectibles are commonly afforded limited coverage under any standard insurance policy.
Typical homeowners, condo or renters insurance does not extend coverage for items that are broken or items that are lost or misplaced. And rare or antique items may receive a much lower loss settlement than their value.
However, a valuable articles policy can offer enough insurance to replace the items you wish to cover. You can choose to itemize items, which allows you and your insurer to determine and agree on a value for each before a loss occurs. With this option, you can avoid coverage limitations, receive coverage if fragile items are broken and gain peace of mind knowing that even newly acquired items are protected.
Considering that jewelry and art are among the items most often stolen, a valuable articles policy adds an extra layer of protection for these and other collectibles.