Hilb Group has partnered with a selection of the top-performing insurance carriers to provide you with the best possible insurance for your valuables.
Our team will take the time to understand your insurance needs and recommend the best solution for protecting your valuables either by endorsing specific coverage to your existing homeowners’ policy or by way of a separate valuable items policy.
Why Do I Need Jewelry and Valuable Items Insurance?
Homeowners’ insurance ‘may’ provide limited loss coverage for jewelry and other valuable items, such as:
- Jewelry & Watches
- Antiques & Fine Artwork
- Musical Instruments
- Silverware, China & Crystal
- Photography Equipment
- Collections (Coins, Stamps, etc.)
A typical homeowners insurance policy will include coverage for jewelry and other valuable items such as those listed above. However, there are special limits of liability that apply to certain valuable items. A good example is the $1500 limit for the theft of jewelry that is included in most policies. To avoid an unfortunate surprise after a loss, please give us a call if you own any valuables that would be difficult to replace.
After we have identified your needs, we will suggest coverage enhancements that will address them, and this may include the less expensive option of raising the limit of liability on a blanket basis, or if it is your desire to have the best coverage available, we would suggest scheduling your ‘individual’ valuables, which would provide you with the broadest coverage available and may require updated appraisals.
Contact our team and get the coverage you can count on!