Your valuables are important to you — and insuring them is equally important to prevent serious loss in the event of damage or theft. As a collector, you would consider some items in your collection priceless. You can protect the finer things in life with additional coverage. Having adequate insurance protection might be able to help you replace your fine collectibles.
We are able to provide coverage for collectors in a number of areas including:
Standard homeowners, condominium or renters insurance policies include a limited amount of coverage for collectibles, jewelry, and other valuable items. However, many policies limit the dollar amount of coverage for the theft or loss due to a covered peril of such items. To properly protect certain types of valuables, additional coverage is available through a policy endorsement or an additional separate personal articles policy.
To determine each item’s value, an appraisal or sales receipt is typically required. This will help ensure that, in the event of a covered loss, the amount of insurance is enough to cover the repair, replacement or cash payment of the item. The cost of coverage varies upon the item, but typically the fee is nominal. Our personal lines team of professionals can provide you with more information about coverage and an estimate for the cost of scheduling an item by endorsement or by an individual policy.
Our team can provide guidance on structuring coverage for all of your collectibles. Contact us today for more information and how we can help you protect the things you value the most.
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