Valuable Possessions

Few items hold both real and sentimental value like jewelry. Most homeowners' policies have limits for how much they will pay to replace jewelry, regardless of how much is lost or the value of the piece.

Adding your jewelry to your homeowners policy as scheduled property can insure it at its appraised value. Acquiring a special policy just for jewelry is also an option.

Fine art can range from a warm decoration to a valuable collection. It also usually has a limit on coverage for homeowners policies, creating a gap between what it is worth and what you may receive in a claim.

Scheduling your art on your homeowners or putting it on a special property policy can help protect it at the appraised value.

Electronics are more expensive than ever, and high-value items may have a limit to how much a homeowners policy would pay out if you had an accident or loss.

Valuable electronics, such as computers and servers, can be listed separately on your policy or added to their own policy to more accurately represent their value.

High-value silverware and heirloom cutlery typically have a limit to what would be covered during a claim.

This important property can be scheduled to your homeowners policy or go on a special policy specifically for your valuables.

Antique furniture and other important pieces may find themselves limited by coverage on a typical homeowners policy.

These important items should be protected either by scheduling them on your policy or by adding them to their own policy for the appraised amount.