• Standard home insurance provides some coverage for more valuable items, but it usually isn't enough for the more expensive things.
  • Jewelry, fine art and sports equipment are some of the things that need more coverage than the basic home policy can provide.


  • Your collection of fine art from your travels around the globe.
  • The expensive ring you inherited
  • Your scuba equipment.
  • If you own valuable items, getting them insured properly is a must.


Tips for talking with your agent

  • Inventory your valuable items in advance.
  • Discuss how you use them, how often and where.
  • Be prepared to discuss the value of these items and what it would cost to replace them.