ANTIQUES, JEWELRY, ART, AND COLLECTIBLES INSURANCE
Collect. But properly protect.
Adding artwork and antiques to your home or displaying collectibles in your condo can bring you great pleasure. But did you know that standard homeowners, condominium, or renters insurance policies may not cover those irreplaceable valuables?
Consider our antiques, jewelry, art, and collectibles insurance services.
The standard homeowners, condominium, or renter’s insurance policy likely does not cover your most valuable assets—items like family heirlooms, fine art and musical instruments, vintage wine, and other collectibles. Determining the right coverage to protect these possessions can be complicated, so it’s a good idea to work with an independent insurance broker to determine your best strategy.
What coverages are available under antiques, jewelry, art, and collectibles insurance?
In some cases, an “endorsement,” essentially an addition to your homeowner’s, condominium, or renter’s insurance policy, permits you to cover property otherwise excluded under your policy. Insurance policy endorsements also can extend the number of perils included, or increase the amount paid for a covered loss. The items of value are “scheduled” on a list that includes a brief description and the item’s dollar value. To determine each item’s value, an appraisal or sales receipt is typically required.
What if I own irreplaceable items?
If you own rare or irreplaceable items, you might prefer the comprehensive protection offered by a separate Personal Articles Floater. This specialized insurance allows you to recover the value of covered items based on a recent appraisal or receipts.
Our personal lines team of professionals can provide you with more information about coverage and an estimate for the cost of scheduling an item.
We’re here to help you succeed.
Learn how our dedicated personal lines teams can help you protect your antiques, jewelry, and other treasured possessions. Reach out to us today.
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