Are Your Valuable Items Covered Properly?



Valentine’s Day is a time when many couples get engaged.  Your engagement ring is one of the most valuable and emotional possessions you will ever have.  Gifts of jewelry are often associated with other special occasions such as anniversaries, promotions, births of children and so forth.  Many of our customers ask us to how to properly insure valuable items such as jewelry, silverware, furs, guns and other items.  Most all homeowner’s and renter’s policies do have some coverage for these items as part of the contents on the policy but there are limitations for claims such as theft.


Have you ever?........

Lost an item

Left your bracelet in a hotel room

Dropped something valuable while cleaning

Taken off your ring while doing dishes and lost it down the drain or garbage disposal

Had the stone fall out of the setting and been unable to find it


You can cover these misfortunes by purchasing a valuable items policy to give you peace of mind and protect your prized possessions.


Limitations of most homeowner’s and renter’s policies

Loss by theft is usually $1000 or $2500 maximum

Limited coverage away from your residence

Limited or no coverage for mysterious disappearance or lost items

No coverage for dropping or breakage

Difficulty proving the value of an item

Deductible is subtracted from the settlement


Advantages of adding coverage for valuable items

You select the value of any item with an appraisal

World wide coverage

Broad coverage to include mysterious disappearance, lost or broken item

No deductible


A valuable items policy is a cost effective way to insure those items that are very dear to you.

If you would like further information please call us at 352-1234 and we can help you understand this important coverage.


The Feltner Group

Rochester Office

191 S. Union St., Spencerport, NY 14559
P: 585.352.1234 • F: 585.352.1660

Canandaigua Office

502 S Main St., Canandaigua, NY 14424
P: 585.394.4597 • F: 585.394.0294


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