Homeowners insurance may provide limited coverage amounts for lost jewelry or valuable items based on the type of item and cause of loss. Valuable items coverage from a Personal Article Floater Policy may provide the protection you need for your valuable possessions in the event of covered loss from, for example, theft or fire.

At The MVP Insurance Agency, we will help you find the right fit for your needs with providing quality service and affordable pricing.

If you own valuable, rare or irreplaceable items, such as collectibles or antiques, you may want to consider the comprehensive protection offered by a Personal Article Floater Policy. In case of a covered loss, this coverage allows you to recover the value of an item (based on a recent bill of sale or appraisal). This policy provides coverage for fine art and jewelry at an amount you and Underwriting agree upon. For other items, the policy provides either actual cash value, cost to repair, cost to replace or up to the insured amount, depending on the cause of loss and its current value.

Consider a Personal Articles Floater policy for:

• Engagement rings and wedding rings

• Jewelry

• Watches

• Silverware, china and crystal

• Antiques

• Fine art

• Stamp and coin collections

• Bicycles

• Trophies

• Sound equipment (recorders)

• Sports equipment (archery, camping, fishing, skiing)

• Wedding gifts

• Cameras

• Computers

• Musical instruments

• Golf equipment

• Pedigreed dogs

• Garden tractors

• Political campaign collections