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That’s where jewelry and valuable items coverage can help. A typical homeowners insurance policy without a Personal Articles Floater (PAF) may not cover, or provide enough coverage for those valuable items. Jewelry and valuable items insurance can cover your favorite items from jewelry to collectibles, sporting equipment, electronics and more – including engagement rings and wedding rings – if they are stolen or damaged in a covered event. Talk to your Travelers representative or independent agent aboutthe best way to cover your valuables. If it's precious to you, it's precious to us. This can be a good choice when the value of a single item exceeds applicable limits of your homeowners policy or when you have a significant number of valuable items to insure. Chances are, you'll find the cost is pretty reasonable.Īsk your agent for a quote on a Personal Article Floater insurance policy. Talk with your insurance agent about what it will cost to add the appropriate coverage to your homeowners policy to adequately cover your valuables. Keep in mind that insurance carriers may require a written appraisal or receipt to verify the value of these items.Ĭonsider increasing your coverage. If you're not sure, consider having the items appraised and get the total combined value of all the items you want to insure. This might include jewelry, artwork, silverware, golf clubs, or other items of significant value.Īssign a value to each of them.
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Make a list of the valuable items you want to protect. And remember, certain high-value items may not be adequately covered. Know what your policy covers and your coverage limits.
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Here are some tips on how to insure your jewelry and valuable items. With a valuable items endorsement or Personal Articles Floater, you can help protect those valuable possessions. While typical homeowners policies are designed to protect your home and what's inside, there may be limited coverage for certain valuables that get lost, stolen, or damaged. Whether it's your engagement ring or a beloved family heirloom, you deserve peace of mind knowing that your prized possessions are protected from loss. SPEAKER: How to insure your jewelry and valuable items. Navigating Your Business Through COVID-19.