Insurance Coverage for Collectibles

If you own many valuable collectibles, consider adding them to your home insurance policy. Adding high-value items will prevent unexpected expenses if you are faced with a natural disaster, theft, or vandalism.

Home Insurance

Your home insurance policy will outline the coverage limit for the collectibles that you have already insured. This limit may not cover the cost of repairing and replacing all the items you own.

If you have an extensive collection stored in your home, you may need to increase the protection your collectibles are equipped with.

Review the current home insurance policy that you have purchased. After finding out the coverage amount for the collectibles, you will be able to make an educated decision about adding more coverage to your policy.

Add-Ons

Add-ons are specialized insurance products that can be attached to an existing home insurance policy. Purchasing add-ons allows a homeowner to fill in gaps that a standard home insurance policy doesn’t cover.

Standalone

A standalone insurance product is separate from a main insurance policy and can be used to cover one or more collectibles. 

Collectibles

• Artwork
• Rugs
• Comic books
• Vases
• Paintings
• Coins
• Sports memorabilia
• Family heirlooms

Appraisal

The list above represents some items that may be classified as collectibles. You will need to determine which of your items you consider to be collectibles. Upon doing so, having your collectibles professionally appraised is a good idea. The appraisal will provide you with an estimated value of what you own.

Contact Friant Insurance Agency

Schedule an interview with one of our agents serving the Temecula, CA, area. A Friant Insurance Agency representative will prepare your collectible insurance documents.