Valuable Items Insurance – Protect Your Prized Possessions
Coverage Beyond Standard Policies
Home and renters policies set low sub-limits for high-value items. With
valuable items insurance Wisconsin, Head Insurance Agency makes sure engagement rings, fine art, instruments, and heirlooms are properly insured in Sherwood, Appleton, and across the Fox Valley. This is the smart way to cover theft, mysterious disappearance, and accidental loss.
What Items Can Be Covered
Commonly scheduled pieces include jewelry and wedding sets, luxury watches, original artwork, cameras and lenses, collectible coins or stamps, instruments, and select antiques. Appraisals may be required for higher values; we’ll advise what documentation to provide. If you keep significant collections at home, coordinate with your
homeowners insurance to align limits and security requirements.
How Scheduling Coverage Works
Items are listed (“scheduled”) individually with appraised or agreed amounts, often with all-risk terms and a low or zero deductible. That means a lost ring, a stolen watch, or damage to a painting can be repaired or replaced at the scheduled value. Head Insurance Agency keeps your schedule current with value updates and additions after birthdays, anniversaries, or new acquisitions.
Valuables Insurance Questions, Answered
Do I need to insure an engagement ring separately?
Yes—home policies typically cap jewelry theft at low amounts; scheduling covers the full value.
How often should I re-appraise?
Every few years or after market shifts for diamonds, watches, and art.
Is there a deductible?
Many scheduled items have no deductible; we’ll review options to match your budget.