Collectibles & Valuables Insurance
Standard homeowners policies fall short for high-value items. Protect your jewelry, art, and collections with specialty coverage.
Protecting your passions
Many people assume their expensive engagement ring, fine art collection, or rare vintage wine is fully covered by their homeowners policy. Unfortunately, this is a common and costly misconception.
Home policies place low "sublimits" on valuable categories to keep base premiums affordable. We help you bridge that gap with scheduled personal property endorsements or standalone specialty policies that cover exactly what your items are worth, even against accidental loss.
What we insure
Fine Jewelry & Watches — Engagement rings, heirlooms, and luxury timepieces. Often covers mysterious disappearance (losing an item).
Fine Art — Paintings, sculptures, and antiques. Specialized coverage respects the appraised artistic value.
Wine Collections — Coverage for temperature control failures, breakage, and theft of rare vintages.
Sports Memorabilia — Sports cards, signed equipment, and rare historical items.
Trading Card Games (TCG) — Pokémon, Magic: The Gathering, Yu-Gi-Oh, and other TCG collections — sealed product, slabbed cards, and rare singles covered under specialty collectibles insurance.
Firearms — Antique, collectible, or high-value sporting firearms.
Musical Instruments — High-value, vintage, or professional-grade instruments.
Why specialty coverage is superior
Agreed Value — You and the insurer agree on the item's value upfront based on an appraisal. No depreciation arguments during a claim.
Broader Protection — Standard policies only cover named perils (like fire or theft). Scheduled coverage often includes accidental loss or breakage.
No Deductible — Scheduled items are frequently written with a $0 deductible, meaning you get the full value if an item is lost.
Frequently asked questions
Insure Your Valuables
Get a quote to protect your jewelry, art, and collections.
Don't leave your treasures underinsured
Let's make sure your high-value items have the specialized protection they deserve.