Coverage Overview
Connecticut's affluent communities, particularly in Fairfield County, have some of the highest concentrations of valuable collections in the country. Standard homeowners policies have strict limits on high-value items, making specialized valuables insurance essential for properly protecting jewelry, art, collectibles, and other precious possessions.
Broader "all-risk" protection beyond standard homeowners coverage limitations
Worldwide coverage for items whether at home, traveling, or in storage
Coverage for mysterious disappearance (like losing a ring), which is typically excluded from standard policies
No deductible for most scheduled items, ensuring full replacement value
What Our Valuables Insurance Covers
We offer specialized coverage options for a wide range of high-value items, tailored to the unique collections of Connecticut's discerning residents.
Jewelry Coverage
Specialized protection for engagement rings, wedding bands, watches, and other fine jewelry beyond standard homeowners policy limits.
Fine Art Protection
Coverage for paintings, sculptures, and other artwork, with options for market value increases and restoration costs.
Collectibles Insurance
Protection for coin collections, stamps, sports memorabilia, wine collections, and other valuable collectibles.
Musical Instruments
Coverage for pianos, stringed instruments, and other valuable instruments, including when used professionally.
Antiques & Heirlooms
Specialized protection for antique furniture, clocks, rugs, and family heirlooms with consideration for their unique values.
Fur & Designer Clothing
Coverage for expensive furs, designer clothing, handbags, and other high-value wardrobe items beyond standard policy limits.
Connecticut Valuables Considerations
Connecticut collectors and connoisseurs have unique insurance needs for their valuable possessions.
Market Appreciation
Connecticut's proximity to New York's art and jewelry markets can lead to rapid appreciation of valuable items. Our policies address market value increases with appropriate coverage options.
Multiple Residences
Many Connecticut residents maintain multiple homes. Our valuables coverage extends to all locations and during transit between properties, providing seamless protection.
Security Considerations
Connecticut's affluent communities require enhanced security measures. We provide guidance on safes, security systems, and risk management to help prevent losses.
Scheduled vs. Blanket Coverage: How the Mechanics Differ
Valuables policies are written two ways, and the difference determines what you are paid after a loss — not just whether you are covered.
Per-Item Scheduling
Scheduling lists each item individually with its own insured value, supported by an appraisal or purchase documentation. The insurer has agreed to that item and that value in advance, which removes the negotiation from the claim. Scheduling is the standard approach for significant individual pieces — a ring, a painting, an instrument.
Blanket Per-Category Limits
Blanket coverage insures a category — jewelry, fine art, wine — up to an aggregate limit, usually with a per-item cap inside it. It suits collections of many moderately valued pieces where itemizing everything is impractical, but any single item worth more than the per-item cap needs to be scheduled separately.
Agreed Value vs. Actual Cash Value
Agreed value pays the scheduled amount in full at the time of loss. Actual cash value pays market value at the time of loss, determined after the fact — which can be well below what you expected, especially in moving markets. This settlement basis, and the recency of the appraisal behind it, are the two terms that most affect what a claim actually pays. Appraisals more than a few years old can leave appreciating items meaningfully underinsured.
Newly Acquired Items and Pair-and-Set
Most schedules include an automatic window for newly acquired items — typically a percentage of the scheduled limit for a set number of days — giving you time to report a purchase before it must be formally added. Pair-and-set clauses govern what happens when one earring, one cufflink, or one piece of a matched set is lost: depending on the wording, the policy may pay the difference in value or the full set value with surrender of the remainder. Both terms are worth reading before a loss, not after.