Valuable items insurance coverage

Valuable Items Blanket Coverage: Lavish Gifts Deserve Protection as Special as They Are

Mike Kelly

Valuable Items Blanket Coverage can add a layer of protection that can help protect items such as 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. Learn more insurance coverage for your valuable items.

What is Insurance for your Valuable Items?

Most renters, condo, and homeowner insurance policies will cover personal property anywhere in the world. This can include items such as furniture, clothing, and 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, and $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 coverage, but you also get coverage for more causes of loss such as breakage or lost (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 covers your property in the event that it is 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 cover 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 consider buying 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 $8500. Even if you have several lesser value items, such as some gold necklaces or bracelets, then consider buying  Valuable Items Blanket coverage.

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 want to make sure you have the coverage you need to 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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Learn more about what your insurance policy covers while you’re on the go.

10 Responses to "Valuable Items Blanket Coverage: Lavish Gifts Deserve Protection as Special as They Are"
  • 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!

  • 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!

  • 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

  • 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

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

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

  • 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

  • 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.

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

    What would the annual cost be for blanket coverage?

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

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

  • Mary Cortez | February 17, 2019 at 3:54 am


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