Types of coverage: Valuables
Exceptional coverage for exceptional items
While our Home policy includes coverage for your valuables, many people choose to insure their most precious possessions with the added protection of a Valuables policy, which offers broader coverage on a worldwide basis.
- No deductible. If you lose an engagement ring or break a precious antique, the loss is covered from the first dollar.
- Market value coverage. We settle covered losses at least at the scheduled amount or, if higher, at market value up to 150 percent of the scheduled amount.
- Single item or blanket coverage. You have the option to schedule individual items or choose blanket coverage for groups of valuables such as a jewelry, crystal, or art collections.
- “All Risk” coverage. Your valuable possessions will be protected against losses due to flooding, which is excluded from the Home policy.
- Worldwide coverage. Don’t worry about taking your precious jewelry or professional-grade camera abroad.
- Newly acquired items. We automatically include coverage for items acquired within the previous 30 days, or 90 days for fine arts.
If you have valuables that exceed $10,000, you should strongly consider a Valuables policy to supplement your Home coverage. Read more about typical reasons for choosing a Valuables policy.