Valuable Articles Insurance Coverage

Our insurance protects your covered valuables at home and across the globe, and covers most causes of loss, with no deductible.

We offer flexible coverage options to meet your unique needs, whether you own one high-valued item or a number of collections.

We cover breakage of fragile possessions like fine china, crystal, and porcelain.

We’ll work with you upfront to determine the value of your items. Then, for covered total losses, you’ll get 100% of the agreed value as a cash settlement.

If the market value of an item on your policy has increased before a loss so that it exceeds the amount of coverage for that item, we’ll pay the market value—up to 150% of the amount of your itemized coverage.

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).*

We’ll offer a premium discount if you typically keep certain jewelry items in a bank vault.

We only require appraisals for individual jewelry pieces valued at $100,000 or more, fine art items valued at $250,000 or more, and wine valued at $50,000 or more. Otherwise, we just need a detailed description and estimated value.

You can decide whether to repair or replace an item, at the merchant of your choice, or keep the cash.