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Collectibles insurance safeguards your most prized belongings.

Valuable Possessions Insurance - Close-up of the Manicured Hands of a Young Woman Placing Her Expensive Earrings into Ears for a Special Occasion

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Protect your most prized possessions with collectibles insurance.

Are your most prized possessions properly covered?

Most homeowners insurance or renters insurance policies have a limit on how much they will pay for any single item. While this is fine for most possessions, it can mean you won’t get the full amount for expensive items such as jewelry or artwork. That’s where valuable possessions insurance comes in.

Get the actual value to replace what you’re covering.

A valuable possessions policy has other benefits, in addition to making sure you are adequately covered. For example, you may be able to get coverage based on the actual replacement value of the item that you are insuring rather than a generic market price. It’s well worth getting regular valuations and keeping your policy up-to-date to reflect these figures.

Additional coverage for accidental damage.

Some policies may also have the option of covering accidental damage to expensive items like jewelry or artwork—something that isn’t always an option with home insurance. These items may include:

  • Advertising Collectibles
  • Antique Radios/Phonographs
  • Antique Tools
  • Art (comic, animation, prints, lithographs)
  • Bears/Steiff Collections
  • Books & Manuscripts
  • Club/Organization Memorabilia
  • Coin Operated Devices
  • Coins (except gold and platinum)
  • Comics
  • Dolls
  • Entertainment Memorabilia
  • Fine Art
  • Furniture
  • Glass/Pottery
  • Guns, Ammo & Accessories*
  • Hunting/Fishing
  • Knives, Edged Weapons & Accessories*
  • Limited Edition Items
  • Magic: The Gathering Cards
  • Militaria
  • Movie Props
  • Musical Instruments
  • Native American, Including Arrowheads
  • Paper/Ephemera
  • Petroliana
  • Political Memorabilia
  • Records and CDs
  • Sports Cards & Memorabilia
  • Stamps & Philatelic Items*
  • Toys/Action Figures
  • Trains, Including Layouts
  • Vintage Clothing
  • Vintage Sewing and Textiles
  • Western Americana
  • Writing Instruments
  • Zippo Lighter

A schedule is required for individual items or sets valued at $25,000 or more.
* Covered provided under a separate policy.

Covers what home insurance alone cannot.

Another option worth considering with valuable possessions insurance is coverage that isn’t restricted to your home. For example, a home insurance policy often won’t cover loss or damage to jewelry that you wear out of the house—whether that’s a necklace on special occasions or an engagement ring you wear every day. These types of policies will often have the option to cover such losses.

Not sure if valuable possessions insurance is for you? Contact us to learn more.

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Contact Brewster-Allen-Wichert, Inc.

 631-661-6060 — NY Office
 561-570-4777 — FL Office

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  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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