You may be a collector of fine art; or maybe you have a rare baseball card collection, or an extensive jewelry collection. In any case, you want to protect these items for what they are worth without any hassles. With a standard homeowner policy these items are not always covered for their true value. We have carriers that will insure these type of items for what they are truly worth with coverage such as:

•  150% replacement cost   Most collectibles are items that appreciate with time. We have carriers that will pay up to 150% of your coverage amount if at the time of loss your item has appreciated over the amount you are currently insured for.  

•  Breakage Coverage  Will cover items for breakage or damage. Most standard homeowners policy will not cover this type of loss.

•  Mysterious Disappearance  This will cover items that are lost or misplaced. No questions asked.

•  Pairs and Sets Coverage  If a single piece of a pair or set is damaged, lost or destroyed, you have the option to surrender the remaining piece and recover the total value of the set.

• Cash Settlement  We have carriers that offer you the option to receive a cash settlement of the agreed value, rather than replacing the scheduled item.