Engagement rings, heirloom jewelry, fine art, antiques, cameras, musical instruments, and collectibles are often worth far more than standard homeowners policy sub-limits allow. A valuable items floater or scheduled personal articles policy provides agreed-value, worldwide protection for the items you treasure most.
What Does Valuable Items Insurance Cover?
- Jewelry including engagement rings, watches, and heirloom pieces
- Fine art including paintings, sculptures, and limited prints
- Antiques and collectibles at scheduled values
- Cameras, lenses, and professional photography equipment
- Musical instruments including guitars, violins, and keyboards
- Furs and designer clothing items
- Sports equipment including golf clubs and bicycles
- Mysterious disappearance — even if you simply lose the item
Why a Homeowners Policy Is Not Enough
Standard homeowners policies sub-limit jewelry to ,000–,500 and only cover theft (not accidental loss). A ring that falls down a drain, a watch dropped at the gym, or a camera left in a rental car typically are NOT covered without a scheduled items rider. A floater policy covers the full appraised value and includes accidental loss.
Getting Your Valuables Appraised
Most carriers require a recent appraisal (typically within 3–5 years) for items valued over ,000. For jewelry, use a certified gemologist. For art, use an accredited appraiser in the relevant medium. For watches, use a brand-authorized service center. We can guide you to reputable appraisers in the Orlando area and help you understand what documentation your carrier requires.
Get Valuable Items Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Valuable Items Insurance options from multiple top-rated carriers to find the best combination of price and protection for your situation. Call us at (321) 235-7377 or request a free quote online.