Valuable items often exceed the sub-limits in a standard homeowners policy.
What it generally covers
- Scheduled items with agreed values
- Breakage and loss coverage, per policy
- Transit coverage
Where gaps often hide
- Standard sub-limits for jewelry, art and collectibles
- Out-of-date appraisals
- Items stored off premises
Questions worth asking
- Which items exceed my current sub-limits?
- When were my appraisals done?
- Are items covered when I travel with them?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.