Over the years, you’ve collected valuable items that may include family heirlooms and items of significant worth. Yet certain property such as fine art, jewelry, furs, antiques, coin collections, silver and wine collections are not fully covered under standard homeowners or renters policies. Owens Group offers policies that are specifically tailored for these types of assets, and we can help you determine whether a blanket or scheduled limit is right for you. The values are usually determined by current appraisals, or bills of sale.
Valuables insurance can be designed to include:
We recommend purchasing “Valued At” coverage, in most cases, so that you not only pay for a specific amount of coverage on a particular item, but you also receive the exact amount specified in the event of a claim. Under this type of coverage, there is no deductible for losses — and almost all risks of physical loss, even mysterious disappearance, are covered.
Reduced rate insurance for high-value items stored in a bank vault.
Special coverage and pricing for a large schedule of artwork and/or high-value pieces. We can assist with collection management and related needs.
Personal Lines Manager
New Business Supervisor