Skip to ContentSkip to Footer

Valuable Items Insurance

Over a lifetime, most of us tend to acquire valuable items. You may believe that your homeowners policy will cover the cost of replacing these items, but in some cases, you need to purchase valuable items insurance to help protect against losses. Some insurance carriers allow you to add valuable items as a separate coverage to the policy called scheduled property, while others require a seperate valuable items policy. People love to collect, whether it is baseball cards, works of art, jewelry, art, glass, or something even more individual such as snuff boxes, plates, or figurines.

Homeowners insurance covers the contents of your home – but are these valuable items included? That insurance covers items such as furniture, clothing, electronics, and other normal household goods. Your specialized valuable collections will probably not be considered “typical household goods.” Some policies will include specific valuable items, but only up to a very small amount. To properly help protect these collectibles, valuable items insurance should be put in place that names the specific collection or item, with a replacement value.

Items such as expensive pieces of jewelry may need to be covered separately, as your homeowners policy has a set limit of what will be paid out for stolen jewelry. Your pieces, whether they are vintage, antique, or custom, may cost far more than your policy limits to replace. Jewelry can be lost in unexpected ways, such as falling off while swimming, never to be found, or a valuable gemstone falling from a ring. Wouldn’t it be good to be confident that your valuable items insurance would pay out for these types of incidents?

Whether you lose a valuable item through burglary, robbery, or loss, you want to be confident that you have the right valuable items insurance policy. At Holden Insurance Agency, Inc. in Superior, Wisconsin, we can help. Call us to discuss your collectibles, jewelry, art, or other valuable pieces that must be separately covered. If you are unsure, one of our friendly team members will be happy to review your current policy to determine if you are adequately better protected. As we live and work right here in Superior, we are always easy to contact when you need help. Call today!

Get A Quote

* indicates required fields

Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.
This field is for validation purposes and should be left unchanged.

Customer Reviews
5/5

Great knowledge and heath insurance options for your business. Give them a call!

Ryan
Ryan M
5/5

Holden has been fantastic through the many years I've been with them.

Neil
Neil A
5/5

Holden Insurance has been with us every step of the way!

Jim
Jim R
5/5

I highly recommend you give Spencer a call

Ben
Ben C
5/5

Spencer was well-prepared with comparisons of the different plans.

Jim
Jim S