Valuable Articles

One thing is certain: most of our customers require valuable articles protection. Be it a vault full of jewelry, a collection of rare paintings and sculpture, or a cellar filled with vintage wines, a carefully structured valuable articles schedule will enhance the risk management program we design for you.

Coverage For Unique Collections

• Fine Arts
• Jewelry
• Silver
• Fur
• Wine
• Memorabilia
• Musical Instruments
• Gun Collections
• Golf Clubs
• Laptop Computers

Coverage Features

• Worldwide Coverage
• Coverage for newly acquired items
• Market Value clause for schedule items
• No deduction for depreciation
• Breakage is automatically included for all classes
• No deductible applies

Why Schedule? - Scheduling vs. Contents

• Breakage is excluded under contents
• No deductible applies when scheduled, while contents losses are subject to a homeowners deductible
• Limited coverage due to sublimits under contents
• When you itemize a valuable article, you have in effect settled the loss before it has occurred
• It is more expensive to increase contents coverage than it is to schedule fine arts items