Click a topic below for more information about Protecting your Valuable Property

• Protecting Your Valuable Property

• Jewelry Coverage

• Wine Coverage

Protecting Your Valuable Property

A typical homeowners policy provides only up to $1,000 worth of coverage for certain kinds of valuables, such as jewelry, silver and furs. If you own antiques, they may be covered only for their cash value — which is depreciated because they are over 25 years old - even though they may have appreciated significantly. Breakage for fragile items is restricted under most homeowners policies, so your fine china and crystal, among many other very valuable and very breakable items would not normally be covered.

For these reasons and many others, you may need a special Valuable Articles Policy to protect the items you treasure. Through Chubb Insurance, we offer:

• Coverage for an agreed value

• Worldwide coverage

• Breakage coverage

• Newly acquired coverage (up to $50,000 for up to 90 days)

• Broad pair and set coverage (replace the entire pair/set if one item is lost)

• Easy scheduling (appraisals required only for fine art worth more than $100,000, jewelry items worth more than $50,000 and any other type of item valued at more than $25,000)

• Itemized or blanket coverage available

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Insuring Jewelry

People sometimes neglect to schedule insurance coverage for their fine jewelry because they believe it’s already covered under their homeowners policy, or the coverage is too expensive. Neither of these reasons are true in most cases. Jewelry coverage from our companies is actually very reasonably priced.

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Wine Collections

If you’ve spent years creating a wine collection, you know how important it is to protect your investment from the dangers of heat and light. No doubt, you keep your wine safe in a wine cellar or other climate-controlled area. It’s just as important to protect it from ‘all risks,’ like fire, theft and breakage with special insurance coverage from Chubb and Fireman’s Fund

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This website provides a basic summary of the insurance products offered by Reynolds Insurance. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.