Jewelry, Fine Arts, Collectibles – Frequently Asked Questions

Considering Purchasing a Policy?

Some of your Questions:

Q. Does my homeowner’s policy cover my jewelry, watches and other valuable items?

A Homeowners policy provides limited coverage for jewelry, watches, and other valuable items. Scheduling jewelry and other valuables is a smart way to ensure they are protected in the event of a covered loss. The insurance company will require you submit a current copy of a receipt or a current appraisal reflecting the current value. The additional premium is minimal and the loss settlement will be for the full value shown on your receipt(s) or appraisal(s) with no deductible applied.

Q. What other items are considered high value and may also need to be insured under a “floater or scheduled” policy?

Silverware, coins, stamps, furs, arts and antiques, musical instruments, cameras, electronics and firearms could all be “scheduled”. Scheduling these items will also require you submit a current copy of a receipt or a current appraisal reflecting the current value.

Q. What to do in the event of a claim

How to File a Homeowner Claim

Q. What tools are available to document personal belongings prior to a loss?

Be Smart. Take Part. Document and Insure Your Property