Your Home Policy Has a Limit. Your Treasures Shouldn't.
Did you know your homeowners policy typically caps jewelry theft coverage at just $1,500? We provide specialized 'Personal Articles' coverage that protects the full value of your engagement rings, art, and collectibles.
Most homeowners assume everything in their house is covered. But standard policies have strict 'sub-limits' for certain categories. If you don't 'schedule' these items separately, you could be paid a fraction of what they are worth.
Are Your Valuables Actually Insured?
Jewelry & Watches: Often limited to $1,500 for theft.
Silverware: Often limited to $2,500.
Firearms: Often limited to $2,500.
Collectibles: Often have little to no coverage for breakage.
“He asked lots of questions... and analyzed our existing policies... He spotted gaps in our coverage and places where we were underinsured... We were so pleased to get better coverage with a lower premium.”
We Find the Gaps That Leave You Exposed
Engagement & Wedding Rings
Watches & Fine Jewelry
Fine Art & Antiques
Musical Instruments
Cameras & Equipment
High-End Bicycles & Sporting Gear
If It's Precious to You, We Can Protect It
Complete Protection for What Matters Most
Full Value Protection: You get the full appraised value, not a depreciated amount.
Mysterious Disappearance: Critical. If you lose your wedding ring down the drain or leave it in a hotel, a standard home policy pays nothing. This policy covers it.
No Deductible: Most scheduled items have a $0 deductible.
Worldwide Coverage: Your jewelry and cameras are covered wherever you travel, not just at home.
We build a 'Personal Articles Floater' policy that lists your specific items and their appraised value. This unlocks superior protection:
Protect Your Heirlooms
Don't risk losing your most sentimental items for a few dollars a month.
Or Call Our Personal Lines Team: 215-637-8223