Protect Your Possessions with Valuable Items Insurance Coverage

December 11, 2019

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Almost everyone thinks that a homeowner's policy will cover all your valuables!

However, policies may provide limited coverage or no coverage for certain items - including generally expensive items.

Consider Valuable Items Coverage For:

  • Jewelry and engagement rings
  • Silverware, china and crystal
  • Antiques
  • Fine art
  • Stamp and coin collections
  • Bicycles
  • Trophies
  • Sound equipment (recorders)
  • Sports equipment (archery, camping, fishing, skiing)
  • Wedding gifts
  • Cameras
  • Computers
  • Musical instruments
  • Golf Equipment
  • Furs
  • Guns
  • Pedigreed dogs
  • Garden tractors
  • Political campaign collections
  • Watches

There are two types of coverage we can offer:

Personal Articles Floater

This itemized coverage can give you some peace of mind knowing your belongings and jewelry may be covered at the time of a loss. Offered as protection just for valuables, policies can be purchased separately. There is no deductible for most classes or types of property and the coverage insures against many risks. This is beneficial for more expensive articles, like an engagement ring or a watch, that may not be covered or with values that exceed coverage that might be provided by a homeowners policy.

Valuable Items Plus Insurance Coverage

Available as an add-on coverage to homeowners insurance, a valuable items plus endorsement can offer higher limits on certain types of valuables and expanded protection. Unlike the personal articles floater where items are individually listed, the valuable items plus endorsement provides blanket coverage that affords protection for a class of property collectively, such as jewelry insurance coverage, up to a certain amount. 

Have your valuables appraised so you will know what they are worth. This will assist us in making a solid decision about your insurance coverages.

Keeping you protected.



All Access Insurance in Littleton, CO,  who represents multiple insurance companies as a “Broker” and provides products for auto, home,  commercial, workers compensation, and much more! Call us today for a free quote at (303) 932-1700.