What is Valuable Items Insurance and Do I Need It | Petruzelo Insurance

Tips on Valuable Items Insurance

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Valuable Items Insurance

When you are dealing with insurance the term "valuable items" may pop up. Most people who are not familiar with the ins and outs of insurance probably are not familiar with this term and certainly have no idea what it means. The actual coverage being referred to is "valuable items" or "scheduled items" coverage.

What is "Valuable Items" Insurance?

Basically, valuable items insurance is a type of insurance policy that covers property your homeowner's policy may only cover to a certain amount. This type of insurance is often used to provide additional coverage for jewelry, furs, fine arts and collectibles.


Many times homeowner insurance will not fully cover valuable items, but if you purchase valuable item insurance you can expect the full value will be replaced in the event of theft, loss or damage. Your homeowner's policy will limit coverage for certain items to a specific amount. If you think the value of these items is more then what is covered under your homeowner's policy, then you need valuable items insurance.

What is Ideal for Valuable Items Coverage?

Some of the more popular items that you may wish to have covered separately include:


Artwork
Furs
Jewelry
Silverware
Firearms
Antiques
Collectibles

Before you purchase valuable items policy, be sure to speak with your local insurance representative to determine if the items in question are worth covering and how much.


For more information on valuable items insurance in Connecticut, call: 1-866-479-3327




 

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