Scheduled and blanket options
Evaluate itemized scheduling, blanket limits, agreed value settlements, worldwide coverage, and deductible options.
Collections change over time
New purchases, gifts, inherited items, appraisals, and market values should be reviewed periodically.
Protect more than property
For affluent households, valuables coverage should coordinate with home security, travel, storage, transit, and estate planning realities.
Coverage themes
Common Questions
Should jewelry be scheduled separately?
High-value jewelry is often better protected through scheduled or valuable articles coverage rather than relying on standard homeowners sublimits.
Does coverage apply while traveling?
Many valuable articles policies can provide worldwide coverage, but terms vary and should be reviewed.