Get the Right Home Insurance for Your High-Value Items with InsureOne 

What if you did not have enough protection for your valuable items when it mattered most? 

Any good homeowners insurance policy is designed to protect your personal possessions. However, not all policies are created equal. And far too many of them offer insufficient protection when it comes to insuring high-value items. 

Wondering how to insure expensive items, what kind of limits you need, and which carrier you can trust? Keep reading to discover everything you need to know about high-value items home insurance before it is too late. 

Why Your High-Value Items Need Extra Home Insurance Coverage 

You might think your priciest possessions are protected by your standard policy. However, good home insurance for valuable items is hard to find. And many homeowners do not realize their policies are insufficient until something happens and they do not get enough of a payout from their carrier to replace what is damaged or stolen. 

In some cases, standard policies have exceptions that will not cover certain possessions. And in many more cases, homeowners set the limit on their policies so low that it lacks enough protection if several things are lost or damaged all at once. For this reason, some collectors get separate jewelry, art, wine and collectibles insurance as a rider to supplement their regular policy, especially if their collection is expensive enough to make the rider worth the extra coverage. 

Keep in mind that there are millions of robberies in America every year. It is best to get better protection now before you and your home become another statistic. 

What to Look for in a Home Insurance Policy for High-Value Items 

When you want to get proper high-value items home insurance, what should you actually look for in a policy? To begin, you need to study the covered incidents (which spell out the events in which you would be eligible for a personal property insurance payout) and excluded scenarios (which spell out the events in which your homeowners coverage would not pay out at all). 

Beyond that, make sure you understand other aspects of the fine print, including what your deductible is and the liability limits of the carrier. This will help you customize a perfect policy for your particular needs, and after you assess the value of your possessions, you will have a better idea of how to insure expensive possessions. 

Understanding Scheduled Property Coverage for Valuable Items 

In a perfect world, you would be able to obtain high-value homeowners insurance that covers all your needs on its own. In reality, if you need more coverage, you can obtain additional personal property insurance (also known as scheduled property coverage) as a rider. This provides a practical solution and peace of mind for those valuable items you need additional insurance to protect. 

How to Determine the Value of Your High-Value Items for Coverage 

To get the right homeowners insurance coverage for your high-value items, you need to know how much they are collectively worth. To do this, create an inventory of possessions along with any receipts. Consult with experts about item value and about how depreciation may have affected the value. Finally, be sure to take high-quality photographs and videos to document what possessions you own and what condition they were in before you had to file a homeowners insurance claim. 

How InsureOne Can Help You Get the Right Coverage for Your High-Value Items 

It can be difficult to get the right home coverage for valuable items from just any carrier. But what if you could get all the protection you needed at an unbelievably low price? With InsureOne, that protection is just a click away. 

With InsureOne home insurance, you get more than just another carrier. You get someone who specializes in specialized plans built for expansive homes and exceptional belongings. and who knows exactly how to insure expensive personal property, including jewelry and collectibles. 

Personalized Coverage Plans for Jewelry, Fine Art, and More 

Part of why it is difficult to get home protection for valuable items is that some are not covered by standard policies. InsureOne covers more than many other carriers and also offers separate riders as needed. This includes jewelry, art, and collectibles insurance that can help you protect your most prized possessions. 

Expert Guidance to Ensure You Are Fully Covered 

High-value items home insurance can be confusing for homeowners and carriers alike. Fortunately, there is a single carrier that can take care of all your needs. With InsureOne, you get the expert guidance of local professionals trained to help you save time and money even as they protect your valuable possessions. 

Get the Right Coverage for Your High-Value Items with a Personalized Home Insurance Quote 

Now you know all about high-value items home insurance. This includes why it is important, what to look for in a policy, and how to price your collection. But do you know where to find a carrier just as devoted to protecting your possessions as you are? 

Here at InsureOne, we specialize in taking care of homeowners just like yourself. When you are ready for the best protection for high-value possessions and so much more, get a quote online. For a more personal touch, you can also pick up the phone and give us a call at 800-836-2240. Finally, you are always welcome to visit an InsureOne office near you.