Valuable Property

In most cases homeowners insurance provides only basic protection for your personal possessions, with extensive limits on coverage and special exclusions for many truly valuable items.

The following list includes example items where supplemental insurance is commonly needed:

• Jewelry
• Art and antique items
• Glassware and ceramics
• Music and entertainment collection
• Computer systems
• Other valuables, such as stamps, cameras, coins, firearms, furs, musical instruments
• Home businesses

These things are important to consider for the following reason: most conventional insurance will allow you to 'repair' an item, even though the 'repair' may radically depreciate the value of your property. Valuable Property insurance considers the difference between 'valued coverage', 'replacement coverage', and 'repaired coverage', so your valuable property stays valuable.

JKJ will meet with you to discuss all of the valuables you keep in your home. We can then recommend, based on the value of your personal property, exactly how much supplemental insurance you may or may not need.