Valuable Items Insurance in Florida for Jewelry, Art, and Collections
Extra Protection for Your Prized Possessions
Coverage beyond basic home policy limits.
Standard home or renters policies often cap theft coverage for jewelry or collectibles—sometimes around $1,000—far below the value of an engagement ring, watch, or art piece. Valuable items coverage (often called scheduling) insures specific items for their appraised value, with broad causes of loss and often no deductible. Complete Trust Insurance helps Vero Beach clients—from Oceanside condos to mainland neighborhoods—pair this coverage with their homeowners insurance and overall personal insurance plan so important pieces are properly protected.
What Items Can Be Covered?
From Heirlooms to High-Tech Gear.
Commonly scheduled property includes engagement rings and wedding bands, luxury watches, fine art, antiques, designer handbags, musical instruments, high-end cameras, coin or stamp collections, and more. If it’s unique or high value, it likely qualifies.
How Valuable Items Coverage Works
Schedule, Document, Insure—then Relax.
You provide an appraisal or recent receipt; we schedule the item for its agreed amount. Covered losses typically include theft, accidental loss, mysterious disappearance, and damage—even outside your home. Coverage can be an endorsement to the home policy or a stand-alone personal articles policy. For condo owners, we’ll coordinate with condo insurance to keep limits aligned.
Real-World Scenarios
Everyday Mishaps That Become Big Losses Without Coverage.
A ring slips off while swimming near South Beach Park. A watch disappears during travel. Camera gear is stolen from a vehicle. With scheduled coverage, reimbursement follows the appraised value subject to policy terms.
Appraisal and Coverage Process
Simple Steps With Expert Guidance.
If you need an updated appraisal, we’ll outline acceptable documentation and policy options. We’ll also help you inventory valuables for easier claims and future updates.
Frequently Asked Questions
Your Questions About Insuring Jewelry and Collectibles.
Does my home policy fully cover jewelry?
Usually not. Most policies cap theft coverage at a low amount. Scheduling increases limits and broadens protection.
Do I need an appraisal?
Typically yes for higher-value items. Recent receipts may work for some items; we’ll advise based on carrier rules.
Is there a deductible on scheduled items?
Many policies have no deductible on scheduled property. We’ll confirm options with each carrier.
Are items covered while traveling?
Scheduled items are generally covered worldwide, subject to policy terms. We’ll explain any exclusions.
Can I insure a single item without my home policy?
Often yes—a stand-alone personal articles policy may be available if your home carrier can’t add an endorsement.
What if my item appreciates in value?
Update appraisals periodically so coverage keeps pace. We’ll help you review at renewal.