Valuable Items

Certain possessions hold value that extends far beyond standard homeowners’ policy limits. Items such as jewelry, fine art, collectibles, and specialty equipment often require additional protection to ensure they are fully covered against loss, theft, or damage. Valuable Items Insurance provides specialized coverage designed to protect your most prized belongings.

At Golden Rule Insurance Agency, we work with clients to identify high-value possessions and structure coverage that reflects their true worth. With the proper protection in place, you can enjoy peace of mind knowing your most important assets are safeguarded.

What Valuable Items Insurance Covers

Valuable Items Insurance offers broader and more flexible protection, including:

Scheduled Item Coverage – Individual items insured based on their appraised value.

Protection Against Theft & Loss – Coverage for risks often subject to limitations under standard policies.

Accidental Damage Coverage – Protection for unexpected incidents such as drops or breakage.

Worldwide Coverage – Protection that follows your valuables wherever they go (subject to policy terms).

Higher Coverage Limits – Designed specifically for items that exceed standard policy thresholds.

Why Specialized Coverage Matters

Standard homeowners’ policies typically impose limits on high-value categories. Without dedicated coverage, owners may face:

• Partial reimbursement following a loss

• Coverage gaps for certain causes of damage

• Limited protection for high-value collections

• Unexpected out-of-pocket expenses

• Tailored Protection for Your Possessions

Tailored Protection for Your Possessions

Every collection and individual item is unique. Golden Rule Insurance Agency works closely with you to review appraisals, assess risk exposures, and design a policy that properly reflects the value of your assets.

Protecting What Matters Most

Valuable Items Insurance is an essential component of a comprehensive personal insurance strategy. By securing proper coverage, Golden Rule Insurance Agency helps ensure your most treasured possessions receive the protection they deserve.