Valuable Articles (Jewelry, Fine Art, Collectibles)
Itemized scheduling for private collections, including jewelry, fine art, and luxury watches.
Operational Risk Profile
A standard homeowners policy severely sub-limits payouts for luxury goods (often capping jewelry theft at $1,500). Affluent collectors face the risk of total, uncompensated loss due to burglary, transit damage, temperature fluctuations in wine cellars, or simply the mysterious disappearance of a high-value watch or diamond ring.
Core Coverage Considerations
While every collection has a unique risk profile, a foundational risk management strategy typically includes the following core coverages.
Scheduled Item Floaters
Itemized coverage based on recent appraisals, providing broad, worldwide protection for specific high-value items.
Mysterious Disappearance
Protects your jewelry and valuables even if they are simply lost or misplaced without a known cause, which standard policies usually exclude.
Agreed Value Settlement
Guarantees you receive 100% of the item’s scheduled value in the event of a total loss, with zero deduction for depreciation.
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