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Personal Insurance

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)
  • Firearms
  • Furs
  • Golfing equipment
  • Jewelry
  • Musical instruments
  • Personal computers
  • Stamps (rare and current)
  • Silverware
  • Fine art, including paintings, etchings, pictures, oriental rugs, statuary, rare books, manuscripts, and bric-a-brac of rarity, historical value or artistic merit

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.

 




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