Wine cellar bottles in a wooden rack — the kind of collection valuables insurance protects
Personal Lines · Serving the Pacific Northwest since 1992

Valuables & Collections Insurance

Jewelry, art, wine, and watches deserve more than the fine print of a standard home insurance policy. That's where valuables insurance helps. First Underwriters covers each piece for its full, agreed value. Your cover is worldwide, with no deductible. See how much of your collection is protected in 60 seconds.

Value my collection Request a quote

Independent broker · Top-rated carriers · No cost to compare

A standard home policy often caps jewelry theft at
$1,500
That's the total — no matter what your ring, watch, or collection is worth. Fine art, wine, and coins get even less.
  • Agreed value, no deductible, covered worldwide
  • Covers loss, theft, damage & mysterious disappearance

See your real coverage gap. Value your collection →

Collection Coverage Estimator

See how much of your collection is really covered.

Pick what you own and how large the collection is. We'll estimate its value. Then we'll show how little a standard home or renters policy would pay. That's the gap valuables insurance fills.

About your collection

Nothing is stored or shared. Rough answers are fine. A broker confirms the real values.

Overall collection size
What do you own?
Anything below apply?
Estimated value of your collection
$22,000
A standard home policy may cover only ~$3,000
That leaves about $19,000 to properly insure.
Best fit: Scheduled Valuables Floater · agreed value, no deductible, worldwide
What we'd schedule for you2
    Why a standard policy falls short0
      Protect these — request my quote

      These are examples only. Category values and policy limits vary by carrier, item, and state. Your First Underwriters broker confirms the real values and the right coverage.

      Why scheduled coverage wins

      Five things a home policy won't do — but valuables insurance will.

      The Insurance Information Institute notes that a standard home policy caps jewelry theft at about $1,500. A scheduled valuables policy — a "floater" — is built for the things you treasure. Choose each one to see what it does and the gap it closes.

      Why First Underwriters

      An independent broker in your corner.

      We don't work for an insurance company. We work for you. That means honest advice and more options. Our specialists know what your collection is really worth.

      We shop, you save

      One conversation. We compare many top-rated carriers side by side. Your collection is protected at the best price we can find.

      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.

      A real advocate at claim time

      Lose a piece to theft or damage? You're not alone with an 800 number. We help you file the claim and get paid the agreed value.

      34+Years serving the region
      50+A+ rated carriers
      100%Independent advocacy
      Good to know

      Valuables insurance FAQs

      Straight answers on scheduling jewelry, art, wine, and the rest of what you've collected.

      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.

      A floater is a policy that 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.

      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.

      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. If you treasure it, there's usually a way to schedule it.

      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.

      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.

      Request a quote

      Let's protect what you've collected.

      Share a few details below. A First Underwriters broker will shop carriers and follow up. You'll usually hear back within one business day.

      What would you like to insure? *
      Do you have appraisals? *

      Used only to prepare your quote. We never sell your information.

      Thank you — your quote request is in.

      A First Underwriters broker will reach out shortly. You'll usually hear back within one business day. They'll shop your coverage and answer your questions.

      First Underwriters Insurance Brokers is an independent broker. This page is for general information only. The estimator above is a guide, not an insurance quote or an offer of coverage. The values and policy limits shown are examples. Real values, coverages, and rates vary by carrier, item, and state. A licensed broker confirms them. Your coverage depends on the terms, conditions, and exclusions of your own policy. For help with insuring valuables, see the Washington State Office of the Insurance Commissioner. Explore related coverage: home insurance, umbrella liability, contact our team, or request a quote.

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      Pick a category to reveal where a standard policy falls short.
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