Personal Collections Insurance

Comprehensive Coverage for Your Personal Collections

Your personal collections are more than just possessions—they’re investments, heirlooms, and irreplaceable treasures. Standard homeowners' or renters' insurance often falls short when it comes to covering high-value or unique items. That’s where personal collections insurance from GRIT Insurance comes in.

Our specialized policies provide tailored protection for your most valuable items, giving you peace of mind knowing your treasures are safeguarded.

What Can Personal Collections Insurance Cover?

Personal collections insurance is designed to protect a wide range of high-value items, including:

• Fine Art: Paintings, sculptures, and other valuable works.
• Jewelry: Rings, necklaces, watches, and other precious pieces.
• Antiques: Furniture, collectibles, and heirlooms.
• Coins and Stamps: Rare and valuable collections.
• Sports Memorabilia: Autographs, trading cards, and collectible items.
• Wine Collections: High-value bottles and wine cellars.
• Instruments: Coverage for musical instruments and gear.

If you own unique or specialized items, our agents can help customize a policy to fit your collection’s specific needs.

Why You Need Personal Collections Insurance

While standard homeowners or renters insurance offers some coverage for personal belongings, it typically limits protection for high-value or rare items. Personal collections insurance provides:

• Full Coverage: Ensures the full appraised value of your items is protected.
• Accidental Damage Protection: Covers loss or damage from accidents, not just theft or natural disasters.
• Worldwide Coverage: Protects your items whether they’re at home, in transit, or on display.
• Scheduled Coverage: Specifically lists high-value items to ensure no gaps in protection.

Why Choose GRIT Insurance for Personal Collections Coverage?

At GRIT Insurance, we understand the importance of protecting your most treasured possessions. Here’s why collectors trust us:

• Tailored Policies: We work with you to create a customized policy that suits your collection’s unique value and needs.
• Expert Guidance: Our agents help you understand your coverage options and ensure every item is adequately protected.
• Competitive Rates: We shop top carriers to find you the best coverage at an affordable price.
• Ongoing Support: From appraisals to claims, we’re here to guide you every step of the way.

Frequently Asked Questions About Personal Collections Insurance

How do I determine the value of my collection?
Appraisals from certified professionals can help determine the value of your items. Many policies require updated appraisals for high-value coverage.

Does my homeowners policy cover personal collections?
Standard homeowners policies often have limited coverage for high-value items. Personal collections insurance provides more comprehensive and tailored protection.

What if I acquire new items for my collection?
Most policies can be updated to include new acquisitions. Our agents can help ensure your policy keeps up with your growing collection.

Does this insurance cover items in storage or transit?
Yes! Many personal collections policies offer worldwide coverage, including items in storage, in transit, or on display.