Valuables, Collectibles and Jewelry Insurance

When it’s irreplaceable, find peace of mind with valuables, collectibles and jewelry insurance.
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Your engagement ring. A family heirloom. That favorite painting. Some things are worth more than money. The best way to protect your high-value, sentimental jewelry and other irreplaceable items is with insurance, and your independent agent can walk you through the process. Jewelry losses, in particular, are among the most common insurance claims.

When to consider valuables and jewelry insurance

Start by taking an inventory of the things you own. Do you:

  • Have a high-value item, like jewelry, that would be financially difficult to replace?
  • Enjoy a hobby, like golf or photography, where you own expensive equipment?
  • Own a valuable collection or artwork?

Valuables, collectibles and jewelry insurance

In some cases, your standard home, condo and renters’ insurance may not be enough to cover the replacement cost of your high-value items, even if you raise the limits on your policy. Speak with your agent and be sure your more valuable items — like jewelry, art and collectibles — have the proper amount of insurance coverage should they ever become damaged, lost or stolen.

These high-value items are typically insured separately, including:

  • Engagement rings
  • Watches
  • Artwork
  • Collectors’ items
  • Luxury items
  • Family heirlooms
  • Antiques
  • Other expensive jewelry

Insure your valuables

To find the best insurance for your valuables, collectibles and jewelry, start by speaking with your independent insurance agent or finding an agent near you. Your agent will walk you through the process, which typically includes getting an appraisal to show the item’s true replacement value. However, if the item is new, like an engagement ring, you may be able to skip the appraisal if you present the receipt.

What’s an appraisal?

An appraisal is a professional determination of an item’s value. It proves that the item exists and helps provide an accurate description of the item. You’ll likely need to work with a certified appraiser to complete this process. Your agent can help you get started.

Quick tip: Take photos of your item and document any appraisals, so if your item is lost, damaged or stolen, it will be easier to determine the replacement cost.

Protect what’s irreplaceable

If a high-value item becomes damaged, lost or stolen, insurance can help compensate for the loss. Talk to your agent about adding Jewelry and Valuables coverage to your homeowners, condo or renters’ insurance policy today. Or get a quote from an independent agent near you!


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Why we work with independent insurance agents

*Available coverages and discounts may vary by state. Please contact your Grange Independent Agent to discuss coverage details, discounts and eligibility requirements. For specific coverage details, always refer to your policy. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies.