Personal Collections Insurance

Protect Your Valuable Collection with Specialized Collections Insurance

Imagine leaving a precious ring from your jewelry collection on the kitchen counter. A day later, it’s mysteriously gone. This is a common scenario many collectors face, and unfortunately, it’s not covered by most homeowner’s insurance policies unless you've scheduled your jewelry.

Why You Need Collections Insurance

As a passionate collector of jewelry, fine art, wine, or other valuable items, you’ve invested significant time and money. Your collection holds both monetary and sentimental value—so why risk it with inadequate coverage?

A collections insurance policy is specifically designed to protect valuable collectibles, offering broader protection than a standard homeowner’s policy.

Key Benefits of a Collections Policy:

• No deductible when collectibles are scheduled individually or blanket-covered.
• 50% more coverage if the item is worth more than its scheduled value at the time of loss.
• Mysterious disappearance coverage.
• Worldwide protection—whether your valuables are in or outside your home.

Example of Coverage

Misplace a diamond earring? Under a homeowner’s policy, this likely wouldn’t be covered. With a collections policy, the entire pair can be replaced.

Additional Benefits Depending on Carrier:

• Blanket coverage for up to $10,000 per item, with options to raise coverage up to $100,000.
• Inflation protection to insure the increased value of items over time.
• Coverage for new jewelry purchases or jewelry on loan for up to 90 days.
• Reduced rates for items stored in safety deposit boxes or other secure places.

Do You Have a Collection?

Even small collections may benefit from specialized insurance. Homeowner’s policies often have low coverage limits for valuable items, such as a $500 limit on jewelry.