Personal Insurance
Valuable Items Policy

Why do I need this coverage?

How much is your jewelry worth? Your collectibles, furs, wine collection, silver, china, antiques and artwork? Chances are, your homeowners policy isn't nearly enough to replace your valuables if they are ever lost, stolen or damaged."

A Valuable Items policy – also called an "inland marine floater" policy - allows you to purchase better protection for your special property than would be available under the typical homeowners policy. In fact, most homeowner policies set dollar limits on the amount of protection offered to cover such items as jewelry, furs, silverware, stamps, coin collections, money and securities, fine arts, musical instruments, cameras, golf equipment, and personal computers. The valuable items policy can also be expanded to include loss due to breakage, something not available under a standard homeowners policy.

In addition to being able to purchase higher limits of coverage, more perils are covered, and you receive worldwide coverage, including protection against mysterious disappearance. This could be especially helpful for expensive items, easily lost or stolen, carried on vacation or moved from primary to seasonal homes. Although fine arts are usually covered only in the United States and Canada, special inland marine floaters are available to cover those items that may travel outside those boundaries.