Valuables and Collections

We design dedicated coverage for valuable items to ensure appropriate valuation, broader protection, and simplified claims resolution. Coverage can be structured to protect items individually, as part of a collection, and on a worldwide basis.

Each collection is reviewed carefully, with attention to how items are acquired, stored, displayed, and enjoyed—so protection remains aligned as collections evolve.

Thoughtful protection for what matters most

Fine jewelry, watches, art, wine, and other collections deserve coverage that reflects both financial and personal value. Standard homeowners insurance often falls short in addressing valuation, coverage limits, and claims handling.

Individualized Coverage

Coverage is structured to reflect the nature of each collection, with flexible worldwide protection designed to align with how items are owned, worn, and enjoyed. Most jewelry losses can be covered without a deductible.

Automatic Coverage for New Acquisitions

Newly acquired pieces may be automatically covered for a defined period when existing items are already scheduled, providing immediate protection while updates are finalized.

Streamlined Appraisal Requirements

Formal appraisals are typically required only for higher-value individual items. For most pieces, a detailed description and estimated value are sufficient to establish coverage.

Market Value Protection

If the market value of an item has increased prior to a covered loss, coverage may respond above the originally scheduled amount, helping account for changes in value over time.