Valuable Items Policy
In MD, DC, VA and some surrounding areas.
Typical homeowner’s insurance policies provide
broad coverage for your personal possessions, including
limited coverage for valuable items, including jewelry,
silverware, furs, and firearms. Homeowner’s 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 basement personal
computer damaged by flood.
Most homeowner’s policies set dollar limits on
the amount of protection offered to cover the theft
of jewelry or furs (usually $1,000), firearms ($2,000),
or silverware ($2,500). Optional add-on coverage to
the homeowner’s 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.
VALUABLE PROPERTY COVERED
Many different items can be protected by the Valuable
Items policy, including:
- Cameras and related equipment
- China and crystal
- Coins (rare and current)
- Golfing equipment
- Musical instruments
- Personal computers
- Stamps (rare and current)
- Fine art, including paintings, etchings, pictures,
oriental rugs, statuary, rare books, manuscripts,
and bric-a-brac of rarity, historical value or artistic
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