Typical reasons to add Valuables coverage

How protective do you feel about your precious possessions?

“If I were to lose my engagement ring, or if it was stolen, I wouldn’t want to have to pay a deductible before being reimbursed. I’d already be upset enough.”

• You pay no deductible with a valuables policy. Home deductibles typically range from $500 to $2,500.

“China, crystal, artwork, musical instruments – they’re fragile almost by definition. If they break, I want my insurance to cover it.”

• A Valuables policy includes coverage for breakage if someone accidentally drops that precious piece of china. A Home policy does not.

“My most prized possessions are very valuable. I want my insurance company to agree on their replacement cost before something unfortunate happens.”

• Choosing Valuables coverage enables you to list your most precious possessions as “scheduled property” and set a specific value for each item upfront. In the event of a loss, our Valuables policy will pay the scheduled value or, if the market value of the item turns out to be even higher, up to 150% of the scheduled value.

“I have some very precious antique pieces of furniture. If they were damaged in a flood, I’d want them to be covered.”

• A Valuables policy includes coverage for flood damage, unlike a Home policy.