{"id":7815,"date":"2024-01-03T15:53:51","date_gmt":"2024-01-03T21:53:51","guid":{"rendered":"https:\/\/www.bbrown.com\/insight\/secure-your-legacy\/"},"modified":"2024-01-03T15:53:51","modified_gmt":"2024-01-03T21:53:51","slug":"secure-your-legacy","status":"publish","type":"insight","link":"https:\/\/www.bbrown.com\/ca\/insight\/secure-your-legacy\/","title":{"rendered":"Secure Your Legacy | Specialized Insurance for Valuable Articles"},"content":{"rendered":"

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Personal Insurance<\/p>\n

\n Secure Your Legacy | Specialized Insurance for Valuable Articles\n <\/h1>\n\t\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″]\n
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\n Secure Your Legacy | Specialized Insurance for Valuable Articles\n <\/h1>\n\t\n <\/div>[vc_column_text]The definition of valuable articles can vary. Maybe a grandmother passes along a priceless, antique diamond necklace, or perhaps you recently proposed to your partner with a precious engagement ring. While most individuals use best practices to keep these treasures safe, unforeseen mishaps are always possible.<\/p>\n

Most homeowners believe that their jewelry is covered under their homeowner\u2019s policy. Although some coverage does extend from a standard policy, it is often limited. The average insurer will typically only cover up to $1,500 per item\/per loss, and this is subject to deductible.<\/p>\n

While this amount could be enough in some situations, it doesn\u2019t cover losses for more expensive, valuable articles. For example, if that newly purchased engagement ring was taken off near a sink and accidentally slipped down the drain, the $1,500 limit would be insufficient.<\/p>\n

Private client carriers may provide a higher jewelry coverage limit of $50K per article limit and $50K per occurrence, but this is also subject to a deductible. The average deductible on a private client homeowner\u2019s policy is $10-50k, therefore, the loss would not be paid in full.<\/p>\n

In addition, many customers own pieces exceeding the $50K sub-limit and seek out an individualized collections policy to help protect their investment. It is highly advisable to secure a separate collections policy that includes coverage for various problems such as theft, accidental loss, mysterious disappearance, loss of a set\/ pair, worldwide coverage, and no deductible. This type of policy enables you to wear the items you love confidently.<\/p>\n

Jewelry isn\u2019t the only prized possession that may require special coverage. Whether you\u2019re adding a new Andy Warhol painting to your art collection or purchased a case of 2016 Vintage Bordeaux, your valuable possessions tell a unique story and should be protected as such. Breakage, damage and theft coverage are built into a collections policy to help protect these types of delicate and expensive items. If a wine collector\u2019s cellar loses power and several bottles spoil, they cannot rely on coverage from a homeowner\u2019s policy for reimbursement. A collections policy will cover the loss and help the insured rebuild their collection.<\/p>\n

Whether you\u2019ve inherited family heirlooms or you\u2019re growing a specialized collection, your valuables are part of your legacy. A collections policy can help to safeguard these special treasures.[\/vc_column_text]\t

\n\t\t\t\t\t\n\t\t\t\tDownload PDF<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][vc_column width=”1\/3″][vc_single_image image=”6466″ alignment=”center” style=”vc_box_circle_2″][vc_separator border_width=”2″ el_width=”60″][vc_column_text]<\/p>\n
Michelle Bergin-Gudaitis<\/h6>\n

Personal Insurance Advisor<\/p>\n

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[vc_row row_style=”page-hero” full_width=”stretch_row_content”][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″][vc_column_text]The definition of valuable articles can vary. Maybe a grandmother passes along a priceless, antique diamond necklace, or perhaps you recently proposed to your partner with a […]<\/p>\n","protected":false},"author":66,"featured_media":7816,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"insight_category":[52],"class_list":["post-7815","insight","type-insight","status-publish","has-post-thumbnail","hentry","insight_category-personal-insurance"],"acf":[],"yoast_head":"\nSecure Your Legacy | Specialized Insurance for Valuable Articles - Brown & Brown<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbrown.com\/ca\/insight\/secure-your-legacy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Secure Your Legacy | Specialized Insurance for Valuable Articles\" \/>\n<meta property=\"og:description\" content=\"[vc_row row_style=”page-hero” full_width=”stretch_row_content”][vc_column][\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″][vc_column_text]The definition of valuable articles can vary. 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