A homeowners policy is built for sofas and laptops. It is not built for a Rolex, a canvas, or a car that does not have a Kelley Blue Book page.
We schedule items on a personal articles form, talk about agreed value versus actual cash value, and place classic or exotic autos on a specialty policy when they belong there.
What it typically includes
- Jewelry, watches, and fine art
- Musical instruments and cameras
- Wine and collectible spirits
- Classic, exotic, and collector vehicles
- Agreed-value options where the market allows
A good fit if
- Anyone whose jewelry exceeds a standard sub-limit
- Collectors who rotate pieces in and out of the house
- Owners of classic or modified cars
- Families settling an estate with valuables