- No deductible. If you lose an engagement ring or break a precious antique, the loss is covered from the first dollar.
- Market value coverage. We settle covered losses at least at the scheduled amount or, if higher, at market value up to 150 percent of the scheduled amount.
- Single item or blanket coverage. You have the option to schedule individual items or choose blanket coverage for groups of valuables such as a jewelry, crystal, or art collections.
- “All risk” coverage. Your valuable possessions will be protected against loss due to flooding, which is excluded from the home policy.
- Worldwide coverage. Don’t worry about taking your precious jewelry or professional-grade camera abroad.
- Newly acquired items. We automatically include coverage for items acquired within the previous 30 days, or 90 days for fine arts.