Homeowner’s policies limit the coverage for many valuable items classes, such as jewelry, furs, and silverware. Coverage can also be unclear for art, musical instruments, wine, stamps, collectibles, and more. The right insurance from Westchester’s Advocate Brokerage for valuable items can fix those coverage issues.
A personal valuables policy (a/k/a Collections or Inland Marine) allows you to itemize coverage for individual pieces or blanket coverage for categories.For most contracts, coverage is worldwide, losses are paid on an agreed value basis and no deductible applies. Although many companies offer a broad spectrum of what constitutes a valuable item, listed below are a few of the more popular categories that can be insured.
- Fine Arts (Paintings, sculptures, photography, much more)
- Silver and silverware
- Musical Instruments
- Wine Collections
- Cameras and Camera Equipment
- Golf Equipment
- Stamp, Coin, and Various Other Collections