When you have valuable articles, the last you thing you want to think about is losing them.
Fortunately, there are precautions you can take such as purchasing adequate insurance to make that loss only temporary. Most homeowners policies provide some type of coverage for valuables/collections. However, homeowners insurance alone may not provide the kind of protection you need. Few provide coverage for lost or misplaced items.
To secure the broadest coverage available you can purchase a Valuable Articles/Collections policy for specific categories such as:
- Fine art, antiques, china
- Wine Collections
- Musical Instruments
- Memorabilia collections
- Antique Firearms
- Stamp Collections
- Coin Collections
Some of the benefits of purchasing this additional coverage are:
- No deductible
- Breakage protection
- Worldwide coverage (Item is lost, mysteriously disappeared, misplaced or stolen.)
- Up to 150% replacement cost of the item
- Cash settlement option
- Coverage for newly acquired items
We can recommend the services of conservators, appraisers, gemologists, and other professionals related to protecting your cherished collections.