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Do my valuables (jewelry, fine arts, etc.) need a separate limit of insurance for each item or are they already covered under my homeowners or tenants policy?

April 26, 2017Arts Covered Fine Homeowner Insurance Jewelry limit separate tenant valuables

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Do my valuables (jewelry, fine arts, etc.) need a separate limit of insurance for each item or are they already covered under my homeowners or tenants policy?

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The homeowner’s policy usually provides a limited amount of coverage that is subject to a deductible. We recommend that our clients schedule each individual valuable item for the full amount to replace it. Scheduled valuable items are not subject to the policy deductible.