Valuables & Collections

We offer a broad range of solutions that can be tailored to meet your specific needs.  Whether it's just an engagement ring or an extensive fine art or vintage wine collection.

Why are Riders Needed?
Even the very best home, coop, condo and renters insurance policies provide little to no coverage for certain types of property.  Therefore riders are available to customers in need of supplemental coverage. Here are the most common types of property insured under these coverage plans...
  • Jewelry
  • Fine Art
  • Wine
  • Silverware
  • Fur
  • Musical Instruments
  • Hobby-Collectibles
Be Careful When Shopping
Valuable items riders are optional and therefore not subject to the same rules or regulations home and auto insurance policies must follow.  As a result, the quality of coverage and claim service varies substantially from one insurance company to another.  
Be Sure To Ask The Following Questions When Shopping For Coverage
  • Does the policy provide All Risk, Worldwide Coverage with Mysterious Disapperance?
  • Is there a deductible?
  • What are the appraisal or purchase receipt requirements?
  • Do I need to schedule every item I want covered?
  • How will claim payments be calculated?
Claim Payment Methods
Insurance companies will pay covered losses using one of the following four methods.
Actual Cash Value
Policy pays the value shown in your policy minus deductions for physical depreciation
Replacement Cost
Policy pays the lowest amount needed to replace the stolen or damaged item
Agreed Value
Policy pays the value shown in your policy
Extended Replacement Cost
Policy pays the value shown in your policy plus up to an additional 50% after considerations for appreciation

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