Why does standard home insurance fail for high-end collections?

Standard homeowners insurance policies contain strict category sub-limits—often capping jewelry theft at $1,500 to $2,500 total, and providing minimal protection for fine art, rare wine, or firearms. Furthermore, standard claims apply your high homeowners storm deductible. Scheduled Valuable Personal Property (VPP) provides dedicated agreed-value coverage with $0 deductibles and worldwide coverage.

What is Agreed Value on collections?

With Agreed Value scheduling, items are appraised and scheduled with a locked contract amount. If an item is stolen, lost, or irreparably damaged, you receive 100% of the agreed scheduled value without depreciation deductions or disputes.

Is newly acquired art or jewelry automatically covered?

Premier policies with carriers like Chubb and Nationwide Private Client include automatic coverage for newly acquired items (typically up to 25% or 90 days), giving you time to notify your advisor and schedule the piece.

Valuable Personal Property

Itemized protection for
irreplaceable passions.

Scheduled jewelry, fine art, collector timepieces, wine cellars, firearms, and memorabilia. Appraised and itemized so a single loss never becomes a total loss.

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Agreed Value Scheduling

$0 Deductible · Worldwide Mysterious Disappearance

Specialty Collection Categories

Every piece is scheduled with verified appraisals, establishing agreed value before any loss event.

Fine Jewelry & Watches

Engagement rings, diamond necklaces, Rolex and Patek Philippe timepieces protected against theft, damage, and mysterious disappearance worldwide.

Fine Art & Sculptures

Paintings, bronzes, and contemporary sculptures with specialized transit, installation, and restoration loss-of-value coverage.

Wine Cellars & Spirits

Temperature fluctuation, mechanical refrigeration breakdown, bottle breakage, and cork contamination for rare vintage collections.

Firearms & Memorabilia

Bespoke sporting shotguns, collectible rifles, sports memorabilia, and rare historical artifacts scheduled with agreed valuations.