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Valuable items insurance coverage

Valuable Items Blanket Coverage: Protection for Your Most Treasured Possessions

Mike Kelly

Valuable Items Blanket Coverage can add a layer of protection for items like jewelry, electronics, dinnerware and more.

The most valuable possession that you own is probably your home. It’s also one of the most vulnerable. Weather accidents, floods and property mishaps can easily damage it. But it’s not just the outside structure of your home that’s so valuable. Your contents and possessions inside it also require unique coverage. To learn more about insurance protection for your valuable items, keep reading.

What Is Insurance for Your Valuable Items?

Most renters, condo and homeowner insurance policies will cover your personal property, including items like:

  • Furniture
  • Clothing
  • Appliances

But your basic policy may have some restrictions when it comes to valuable items that are stolen. Jewelry, furs, silverware, and firearms are covered for the named perils (such as fire, lightning, explosion, riot, vehicle or aircraft damage) in the policy up to the contents Coverage C limit except when it comes to theft. The basic policy only provides up to:

  • $1,500 theft coverage for jewelry, watches or furs
  • $2,500 for theft of firearms
  • $2,500 for theft of silverware  

In order to have more theft coverage, a different endorsement is needed.  When you buy this extra coverage, you not only get more theft protection, you also get coverage for more causes of loss like breakage or mysterious disappearance.

You can cover valuable items such as:

  • Cameras
  • China
  • Crystal
  • Computers
  • Fine arts
  • Firearms
  • Furs
  • Musical Instruments
  • Jewelry
  • Silverware

Valuable items coverage also protects your property in the event that it’s stolen, lost or damaged. For example, you’re washing your hands in the kitchen sink and the diamond in your wedding ring falls out and goes down the drain. You call a plumber but you’re unable to recover it. Valuable items insurance can help pay the cost to replace the diamond.

Or, perhaps you’re on a cruise and you’re taking photographs with your expensive digital camera. You accidentally drop the camera over the railing and it falls into the ocean. Valuable items coverage can help cover the cost to replace the camera.

You also don’t need to specifically list items that are covered. You’ll only need to provide documentation of ownership to make a claim for the lost, stolen or damaged item.

Is Valuable Items Insurance Right for You?

Homeowner’s or renter’s insurance can cover a significant amount of personal property. If you own items that are worth more than the limits of your special items (jewelry, furs, silverware, firearms) and you want to be covered for more than just the basic types of loss, then you should buy valuable items insurance.

In some cases, you might have a piece of jewelry worth almost $10,000. If this is stolen, your personal property insurance may only cover fifteen hundred dollars to replace that item. You could be left with a personal loss of $8,500. Even if you have several lesser value items, such as some gold necklaces or bracelets, Valuable Items Blanket Coverage can help you get the right level of protection.

Peace of Mind Is a Gift

It may seem like you have plenty of coverage for your personal items. But for those special, and particularly valuable items, you may need an extra level of protection. Whether it’s valuable jewelry or your family silverware set, you’ll want coverage that can help replace those items if something happens to them. Valuable items coverage can do just that—and provide peace of mind.

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15 Responses to "Valuable Items Blanket Coverage: Protection for Your Most Treasured Possessions"
    • Mary Cortez | February 17, 2019 at 3:54 am


      • Extra Mile Staff | February 18, 2019 at 2:10 pm

        Correct, Mary. Jewelry is an item that should be protected.

    • Drina | February 20, 2019 at 4:03 pm

      What would the annual cost be for blanket coverage?

      • Extra Mile Staff | February 20, 2019 at 7:19 pm

        Hi Drina- the valuable items blanket doesn’t have a set price, it depends on which items you insure under this blanket of coverage. To get a quote, please call 1-888-413-8970 (M-F: 9 a.m. to 6 p.m. ET) and one of our representatives can gladly assist.

    • Vicki Wheeler | February 27, 2020 at 8:09 pm

      Valuable items Blanket coverage. Since Hartford does Not write homeowners coverage for Florida is there a blanket coverage policy that can be written as stand alone coverage? Please advise, thank you

      • Chloe S | March 3, 2020 at 6:26 pm

        Hi Vicki, For questions about your home policy, please contact Customer Service at 800.423.0567, our agents are available Monday-Friday 7am to 11pm EST and Saturday and Sunday 8am to 6pm EST. Thank you!

    • Mike Murphy | February 27, 2020 at 11:14 pm

      What documentation of ownership is required? Would photos suffice? Is an appraisal required?

    • Geno Wayne Hardin | February 28, 2020 at 3:13 pm

      We have roughly 7K in musical equipment, and 5K in golf equipment (Golf Professional). I didn’t see sporting equipment blanket. Homeowners only covers $1500

    • marie belzer | March 1, 2020 at 6:08 pm

      I want to know if my hearing aids are covered under my insurance. thank you very much for your response. sincerely mrs. belzer

      • Chloe S | March 3, 2020 at 6:25 pm

        Hi Marie, For questions about your home policy, please contact Customer Service at 800.423.0567, our agents are available Monday-Friday 7am to 11pm EST and Saturday and Sunday 8am to 6pm EST. Thank you!

    • Ten Star Driver | December 1, 2020 at 9:42 am

      Awesome that is a really good. Don’t stop the great work

    • Barry Leshowitz | January 9, 2021 at 3:08 pm

      I wish to add an umbrella policy to my home and auto insurance. Please contact me.

      • Extra Mile Staff | January 9, 2021 at 5:50 pm

        Barry – For questions about your home policy, please contact Customer Service at 800.423.0567.

    • Valerie A. Durbin | January 11, 2021 at 5:41 pm

      I have jewelry insurance for slightly under $10Kwith another company, Jewlers Mutual. In general, how do your rates compare?

      • Extra Mile Staff | January 12, 2021 at 11:15 am

        Valerie – Thanks for reading. The valuable items blanket coverage from The Hartford doesn’t have a set price. It will depend on which items you insure. To get a quote, please call 1-888-413-8970 and one of our representatives can gladly assist.

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