Insuring Valuables in Your Home
Whether it’s your engagement ring or a rare wine you acquired, we know your valuables and collections need unique protection from losses. With our comprehensive, flexible coverage and seamless service, we can help protect the very special things you’ve acquired over the years.
We offer flexible, worldwide coverage options to meet your unique needs and cover most causes of loss with no deductible.
Automatic coverage for new items
If you already have itemized jewelry, fine art, wine or other collectibles, newly acquired items are covered for up to 90 days (25% of the itemized coverage).*
Liberal appraisal requirements
We only require appraisals for individual jewelry pieces valued at $100,000 or more, fine art items valued at $250,000 or more, and collectibles valued at $50,000 or more. Otherwise, we just need a detailed description and estimated value.
Paying market value
In certain cases, we’ll pay up to 150 percent of the amount itemized on your policy to account for increases in market value.
Agreed value feature
We’ll work with you upfront to determine the value of your items. Then, for covered total losses, we’ll make sure you’ll get 100% of the agreed value as a cash settlement.
Blanket or Scheduled Items
Protect an entire collection with blanket coverage, itemize your individual pieces, or do both. It’s up to you.
Coverage for Mechanical Breakdown
We provide coverage for wine, art or collectibles which has been damaged due to loss of electricity or mechanical breakdown of climate control equipment.
*In a few states, wine and spirit acquisitions are capped at $50,000. Please check your policy for details.
Disclaimer: This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.