Many people mistakenly believe that their homeowner insurance fully protects their treasured possessions such as fine art, antiques, silverware, and jewelry. The fact is that homeowner policies have limitations on coverage for certain classes of valuable items.
We understand the importance of protecting your most treasured possessions. Our personal insurance specialists carefully consider your potential risks and design comprehensive coverage programs. We provide you with a level of financial protection and personalized service.
Available strategies to secure your collections
- Blanket coverage for pairs, sets and collections of smaller items
- Itemized coverage that individually describes and insures each item
- Worldwide coverage
- Protection for breakage of fragile items
- Newly acquired items coverage
- Agreed Value Coverage
- “Cash Out” loss settlement provisions
Some classes of property commonly covered on valuable articles floaters
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For the Wine Connoisseur
- Accidental breakage
- Damage during shipment/transport
- Multiple locations (including off-site storage)
- New purchases at full value
- Loss caused by power outage or breakdown of storage/refrigeration
- Theft, fire, and water-related impairment
- Blanket and itemized coverage options
- Power outage and mechanical breakdown
- Worldwide coverage
- No deductibles on standard policies
- Wine collector management services