Valuable possessions insurance safeguards your most prized belongings.
Safeguard your most cherished belongings with insurance for valuable possessions.
Are your most prized possessions properly covered?
The majority of homeowners or renters insurance policies impose a cap on the reimbursement for individual items. While this limitation is generally acceptable for typical belongings, it may result in insufficient compensation for high-value items like jewelry or artwork. This is where insurance for valuable possessions becomes essential.
Get the actual value to replace what you’re covering.
A valuable possessions policy offers additional advantages beyond ensuring sufficient coverage. For instance, it may allow you to obtain coverage based on the actual replacement value of the insured item, rather than relying on a standard market price. Regularly obtaining valuations and updating your policy to align with these figures is highly advisable.
Additional coverage for accidental damage.
Certain policies may provide the possibility of insuring against accidental damage to valuable possessions such as jewelry or artwork, which is not always available under standard home insurance. These items may encompass:
- Antiques
- Artwork
- Collections
- Electronics
- Jewelry
- Musical Instruments
- Oriental Rugs
- Watches
Covers what home insurance alone cannot.
An alternative worth exploring regarding valuable possessions insurance is coverage that extends beyond the confines of your residence. For instance, a standard home insurance policy typically does not encompass loss or damage to jewelry worn outside the home, such as a necklace for special events or an engagement ring worn daily. Many of these policies provide the option to include such losses in their coverage. If you are uncertain whether valuable possessions insurance is suitable for your needs, please reach out to us for further information.
Prefer to speak with someone from Dotterer Insurance? Contact us directly.
Contact Us
Summerville, SC Office
870 College Park Road
Summerville, SC 29486
Orangeburg, SC Office
1628 Saint Matthews Road
Orangeburg, SC 29118
Experience the Value of an Independent Agency
At Dotterer Insurance, our mission is to help you protect what matters most with coverage you can count on from people you trust.
We are licensed in South Carolina, North Carolina, Virginia, and Georgia.
