Valuables insurance for the pieces you've spent years collecting
Jewelry, art, wine and watches deserve more than the fine print of a standard home policy. We schedule each piece for its full, agreed value, with worldwide cover and often no deductible.
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Standard limits by category, and what scheduling changes
A standard home or renters policy caps valuables with low theft sublimits and pays depreciated value. The caps below are typical examples; they vary by carrier, item and state.
Jewelry
Typical standard cap: about $1,500 total for theft, and a single ring can exceed it. Scheduled: rings, necklaces and fine jewelry at full agreed value.
Watches
Fall under the jewelry theft cap (about $1,500). Scheduled: luxury and vintage watches covered worldwide, no deductible.
Designer handbags
Fall under personal-property caps with no agreed value. Scheduled: designer and limited-edition bags at full agreed value, worldwide.
Furs
Share a low theft sublimit (about $1,500) with no accidental-damage cover. Scheduled: furs and couture covered for theft and accidental damage.
Fine art
Settled at cash value on a home policy, with no breakage coverage. Scheduled: paintings, sculpture and prints on an all-risk basis, including accidental damage.
Antiques & collectibles
Paid at depreciated cash value, not replacement cost. Scheduled: rare and one-of-a-kind pieces at agreed value.
Silver & flatware
Theft is often capped around $2,500. Scheduled: sterling and heirloom silver above the theft sublimit.
Wine
Breakage, spoilage and temperature failures aren't covered by a home policy. Scheduled: cellar collections covered for breakage, spoilage and mechanical failure.
Firearms
Theft is typically capped around $2,500 regardless of the collection's value. Scheduled: sporting and collectible firearms beyond the standard cap.
Musical instruments
Instruments used professionally are excluded, and personal ones face low caps. Scheduled: fine and vintage instruments at home, in transit and on stage.
Coins & stamps
Coin and currency theft is often capped at just $200–$250. Scheduled: numismatic collections at agreed value with proper documentation.
Sports & memorabilia
Paid at cash value with strict caps and no agreed value. Scheduled: cards, autographs and memorabilia at agreed value with grading records.
Five things a home policy won't do for your valuables
The Insurance Information Institute notes that a standard home policy caps jewelry theft at about $1,500. A scheduled valuables policy, or floater, is built for the things you treasure.
Agreed value
Each scheduled piece is insured for a set amount based on its appraisal, with no depreciation and no dispute over what it was worth. On a $12,000 ring with a $1,500 cap, that's the difference between whole and a fraction.
All-risk protection
Covers theft, fire, accidental damage and mysterious disappearance, with breakage cover for art, china and wine. Standard policies cover named perils and exclude how most valuables are actually lost.
No deductible, worldwide
Most floaters pay from the first dollar and follow your pieces anywhere: traveling, at a show or in a safe-deposit box. A home policy applies your deductible and largely stops at your residence.
Appraisals & valuation
Scheduling is built on appraisals, receipts or expert valuations, so coverage keeps pace as gold, watches and art values climb. We help you keep values current.
Newly acquired items
Floaters typically cover newly bought or gifted pieces automatically for a set window, often 30–90 days, so a fresh auction win or an inherited watch isn't left uninsured while you schedule it.
Situations that call for a closer look
You travel with them
A floater covers loss anywhere in the world; a home policy largely stops at home.
No recent appraisal
Carriers want appraisals every 3–5 years to pay full value as markets move.
You display or loan items
Shows, loans and exhibitions add exposure a standard home policy won't follow.
Recently inherited or gifted pieces
Schedule new pieces and confirm the automatic-coverage window.
Specialists who know what your collection is worth
We compare the market
One conversation, many top-rated specialty carriers compared side by side.
Specialists, not generalists
Fine art, jewelry, wine and rare collectibles have their own carriers and rules. We know which ones value your pieces well and pay fairly.
Help at claim time
When a piece is lost, stolen or damaged, we help you document and file the claim and get paid the agreed value.
Valuables insurance FAQs
Straight answers on scheduling jewelry, art, wine and the rest of what you've collected.
Doesn't my homeowners policy already cover my jewelry and valuables?
Only to a point. A standard home or renters policy typically caps jewelry theft around $1,500 total, with even lower sublimits for coins, silver and firearms, and it pays depreciated value, not full replacement. A scheduled valuables policy covers each item for its full agreed value.
What is a scheduled valuables policy or floater?
A floater lists (schedules) each valuable item at an agreed value based on an appraisal. It covers loss, theft, accidental damage and mysterious disappearance, usually with no deductible and worldwide coverage.
Do I need an appraisal to insure my valuables?
For higher-value pieces, yes. A current appraisal (generally within 3–5 years) sets the agreed value. Some items can be scheduled with a detailed receipt. We help you determine what documentation each carrier requires.
What kinds of items can be scheduled?
Jewelry, watches, fine art, wine, antiques and collectibles, firearms, musical instruments, coins and stamps, designer handbags, silver and flatware, furs and sports memorabilia, among others.
Is my collection covered when I travel?
Yes. Scheduled valuables coverage generally follows your items anywhere in the world, whether you're traveling, at a show or storing them in a safe-deposit box.
How is wine collection coverage different?
Wine collections can be insured for breakage, spoilage and losses from mechanical or temperature-control failure, exposures a standard home policy does not address. Coverage can be scheduled by bottle or as a blanket cellar amount.
Let's protect what you've collected
Share a few details and a broker will shop specialty carriers and follow up, usually within one business day.
- We review your pieces, values and current coverage for gaps
- We compare specialty carriers and bring you the options
- Your pieces are scheduled at agreed value
Have appraisals or receipts? You can email them to info@firstunderwriters.com after you submit.
Prefer to talk it through?
Call our Kirkland office and a broker will walk through your pieces, appraisals and current coverage with you.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Standard-policy sublimits and dollar figures are illustrative examples and vary widely by carrier, item, appraisal and state. Values, coverage, eligibility and rates are confirmed by a licensed broker, are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.