Your homeowners policy may not protect all of your valuables

If you want to safeguard valuables like jewelry, special collections of artwork, or even expensive sporting equipment, you should consider a Collections or Valuables policy (known as scheduled personal property).

The reason? Most homeowner’s policies set limits on the amount of coverage for theft of these personal items. If the value exceeds that policy’s limit, you’ll find too late that you have a coverage gap.

How does CAV provide additional peace of mind?

  • Simplification. We’ll provide a thorough explanation of the items that should be covered, and how to best protect them.
  • Accuracy. Our insurance professionals will assist with inventorying and determining value.
  • Broader protection. Scheduled personal property may be covered for additional risks, including accidental loss (such as jewelry lost down a sink drain), which typically isn’t covered by standard homeowners policies.
  • No deductible. When you make a claim on a scheduled item, there is usually no deductible (your standard policy, on the other hand, may require payment of a deductible for those items).

Examples of scheduled items:

  • Jewelry & furs
  • Artwork
  • Sports equipment, like guns, bicycles and golf equipment
  • Musical instruments
  • Cameras
  • Personal computers or high-end electronics
  • Oriental rugs
  • Wine & other spirits collections
  • Collections, such as baseball cards, coins or stamps

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