February is the month of love, and while flowers and chocolates are great, some things hold even greater value—the prized possessions you cherish year-round. Whether it’s a sparkling diamond ring, a vintage wine collection, or a luxury sports car, protecting what you love is just as important as enjoying it.
Standard homeowners or auto insurance may not fully cover your high-value items, which is why specialized coverage is essential. Here’s how to safeguard your most beloved possessions with the right insurance.
Your engagement ring, heirloom necklace, or luxury watch deserves more than a standard policy. Most homeowners policies cap jewelry coverage, meaning your $20,000 diamond ring might only be covered for $2,500.
🔹 What You Need: A personal articles floater or standalone jewelry insurance policy.
🔹 Why It Matters: Covers loss, theft, and accidental damage—even if you lose it while traveling.
🔹 Extra Tip: Get routine appraisals to ensure your coverage reflects the true value of your pieces.
A well-curated wine or bourbon collection isn’t just for sipping—it’s an investment. If a broken bottle, fire, or temperature fluctuation ruins your collection, standard homeowners insurance may not cover the loss.
🔹 What You Need: Wine & spirits insurance to cover breakage, theft, and spoilage due to power outages or storage malfunctions.
🔹 Why It Matters: Some bottles are irreplaceable, and proper coverage ensures financial protection for your collection.
🔹 Extra Tip: Store your bottles in a temperature-controlled environment to preserve their value.
A 1969 Mustang, a Porsche 911, or that dream Tesla—luxury and classic cars require more than standard auto insurance. Many standard policies don’t account for appreciation, rare parts, or collector value.
🔹 What You Need: Classic car insurance or exotic vehicle coverage, offering agreed value coverage, not just depreciated value.
🔹 Why It Matters: These policies consider collector value, restoration costs, and limited mileage discounts.
🔹 Extra Tip: Keep your classic or exotic car in a secure, climate-controlled garage for added protection.
Whether it’s original artwork, a signed guitar, or rare collectibles, standard policies may not cover high-value items or accidental damage.
🔹 What You Need: Valuable item insurance for art, antiques, and collectibles.
🔹 Why It Matters: Provides full replacement value for fire, theft, and accidental damage.
🔹 Extra Tip: Keep documentation, photos, and certificates of authenticity for all valuable pieces.
We know your most treasured possessions are more than just things—they’re part of your story. Instead of guessing if you have enough coverage, let us do the work for you.
With access to a broad network of top-rated insurance providers, we can find specialized policies tailored to your high-value items—so you don’t have to shop around.
Show your prized possessions some love. Let’s make sure they’re protected!
Contact us today to review your coverage and ensure everything you cherish is fully insured.