Personal Property Insurance

Do you own valuable jewelry, collectables or equipment that would be hard to replace?

Your homeowners policy may not cover the full value of your cherished possessions.

A standard homeowners policy includes limited coverage for jewelry and other precious items such as jewelry. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism.  One example of a  limit is for the theft or loss of jewelry. The standard policy has a relatively low limit of liability for theft, generally $1,000.

Consider Personal Valuable Property Coverage for:

  • Jewelry
  • Silverware, china and crystal
  • Antiques
  • Fine Art
  • Stamp and coin collections
  • Bicycles
  • Sports equipment (archery, camping, fishing, skiing, golfing)
  • Cameras
  • Computers
  • Musical instruments
  • Furs
  • Guns

There are two options for insuring your precious possessions, a floater (separate policy just for valuables) or add-on coverage to your homeowners, condo, or renters insurance.

The Add-on coverage allows you to increase the limits and expand the coverage of your homeowners, condo or renters policy.  Typically the floater or separate policy is ideal for more expensive articles with values that exceed  the amount a homeowners policy can cover.

Talk with Preferred Insurance to review which option will best fit your needs.   Protecting your valuables against loss is an affordable option and one you will be glad should the  unthinkable happen.

Learn more

  • Safeguarding Your Valuables You may have little or no time to protect your valuables in a flood, earthquake or other disaster. By taking simple steps now, you can safeguard your treasured belongings and information from damage or loss. The first step is to identify what you have. Go through your home to find your treasures. Download the checklist to begin taking ...
  • Insuring Valuables The limited coverage provided in your homeowners policy may not be sufficient to cover your valuables in the event of a loss. Adding an endorsement or floater policy to the coverage you have ensures that you’ll be reimbursed for these items. Download the attached PDF or contact Preferred Insurance Services, Inc. today to find out more.
  • Insuring Valuables The limited coverage provided in your homeowners policy may not be sufficient to cover your valuables in the event of a loss. Adding an endorsement or floater policy to the coverage you have ensures that you’ll be reimbursed for these items. Download the attached PDF or contact Preferred Insurance Services, Inc. today to find out more.

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