The VanDyke Group | It's Time to Insure Your Valuables
Find out which personal items need more coverage then your homeowners policy provides.
homeowners insurance, personal property, insuring your valuables
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13 Feb It’s Time to Insure Your Valuables

You have homeowner’s insurance. That’s a great start. While your house has value, the real things you value are inside your home. For example, you may have jewelry that has not only monetary value but sentimental value too. Or what about your coin collection or treasured art pieces, do you know if they are fully covered under your current homeowner’s policy?

If you have not added to or purchased endorsements the answer is likely “no.” A general homeowner’s policy includes about $1000 of coverage for jewelry. This is not for each piece of jewelry but in total for everything you own. Should you get robbed or even lose one piece of jewelry this amount probably wouldn’t be enough to cover the loss. The same holds true with furs or a valuable coin collection.

The best way to make certain you have proper coverage is to call your trusted insurance advisor and have them add endorsements to your current policy. By itemizing, or scheduling, your personal items you will be assured your valuables are properly insured. You will have to take inventory of your items and provide appraisals and possibly receipts; however, it’s all worth it in the end.

This year when you review your homeowner’s policy make sure you have everything covered. Here is a list of valuable personal property that generally needs more coverage then a basic homeowner policy provides.

  1. Jewelry
  2. Furs
  3. Artwork
  4. Antiques
  5. Musical instruments
  6. Stamp collections
  7. Coin collections
  8. Card and comic collections
  9. Electronics
  10. Guns


After taking stock of your valuables and having them appraised, call your trusted insurance agent to make sure they are properly covered.

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Material posted on this website is for informational purposes only and does not constitute a legal opinion or medical advice. Contact your medical professional or legal representative for information specific to your needs.