Antiques, Art & Wine Insurance
Coverage for your valued possessions may be limited on your homeowners, condominium or renters policies. Valuables Insurance provides the protection you need in the event of a loss from theft, accident or natural disaster.
FIND AN ADVISOR
How much does your current policy cover?
Valuables Insurance
Gives you higher limits and coverage due to theft, accident or natural disaster.
Coverage for Your Valuables
Varies per policy. Check your policy or contact your agent to learn what your policy covers.
Homeowners, Condominium or Renters Policy
Limits on dollar amounts and types of losses.
Example: Typical jewelry coverage is approximately $3,000.
Special Items Covered

Setting a Value
When you schedule your valuables through the purchase of a ‘rider’ or ‘floater’ policy, you'll provide a detailed description of each item.
A professional appraisal is always recommended and often required. For collections such as sports memorabilia, figurines, stamps, fine china and crystal, etc. you can either use blanket coverage to protect the entire collection or itemize especially valuable pieces, or you can combine the two approaches.
Coverage Options
Replacement Cost
-
The traditional repair or replacement cost option is a default on the scheduled personal property endorsement to your homeowners policy. The insurance company has the option to replace the item at an amount lower than the value listed on the policy, if the lower amount would return the item to its original condition or replace the item with one of a like kind or quality.
Agreed Value
-
In most instances, the item is insured for a set amount agreed on by you and the insurance company based on a recent appraisal or a bill of sale. Fine art usually is insured under an agreed value policy because it can be very difficult to replace.
We can also help you with...

Estate Planning
An estate plan can determine the right people to help make decisions for you in the case of incapacity or for others in the case of guardianship. It will also identify a trustee to execute your plan.
Learn More about how we can help you with estate planning.Related Resources

A Case for Wine Insurance
Do you appreciate a good glass of wine? Whether you're a hobbyist, investor or novice just beginning to build your collection, wine insurance can provide cost-effective peace of mind.
READ MORE Click here to read more about wine insurance.
Time for an Insurance Review
Insurance is one of those things you tend to get and forget—until you have to make a claim. And that's exactly the wrong time to find out your coverage is inadequate.
READ MORE Click here to read more about time for an insurance review.
Protecting Your Wealth with Umbrella Insurance
If you own a house and have a retirement account or other investments, an umbrella policy should be a part of your financial plan and a step towards protecting your wealth.
READ MORE Click here to read more about protecting your wealth with umbrella insurance.Advisor and an Advocate
If the unexpected happens, service and responsiveness become as important as the dollar value of your coverage. Having an advisor on your side means you'll have a personal advocate working with you and looking out for your best interests while handling your claim.
FIND AN ADVISOR