Protect What Matters Most
Standard homeowners insurance limits jewelry coverage to $1,500. Schedule your engagement rings, watches, fine art, and collectibles to ensure they are fully covered with $0 deductible.
The Coverage Gap
Most home policies have a hidden cap on "theft of jewelry" (usually $1,500). If your $10,000 engagement ring is stolen, you would be out $8,500. A Personal Articles Floater fixes this.
Mysterious Disappearance
What if you just lose the stone from your ring? Or leave your watch in a hotel? Standard policies don't cover "losing" things. Our Valuable Items policy does.
We Insure It All
Jewelry & Watches
- Engagement Rings & Wedding Bands
- Luxury Watches (Rolex, Patek, Omega)
- Heirloom Jewelry
Collections & Hobbies
- Fine Art & Sculptures
- Musical Instruments
- High-End Cameras & Lenses
- Sports Card Collections
- Silverware & China
Serving Clients in Metro Detroit
Appraisals recommended for items over $5,000.
Get A Valuable Items Quote
Safe. Secure. Insured.
Valuable Items FAQs
For items valued under $5,000, a detailed receipt or description is often enough. For items over $5,000 (especially jewelry), a recent appraisal (within 2-3 years) is usually required to establish the insured value.
Many policies include immediate coverage for newly acquired items (usually up to 25% of your total limit) for 30 or 90 days. This gives you time to call us and add the new purchase to the policy.
Typically, no. Most "Scheduled Personal Property" endorsements or separate floaters have a $0 deductible. If you lose the ring, the policy pays the full insured amount to replace it.