Valuable Items Insurance for Jewelry, Art & Collections in Wisconsin
Homeowners and renters insurance might cover your belongings — but they often limit payouts on high-value items. If you own fine jewelry, family heirlooms, high-end electronics, or collectibles, a valuable items insurance policy helps ensure those things are fully protected.
From engagement rings in Brookfield to fine art in Milwaukee condos, we help Wisconsin residents get peace of mind with the right coverage for what matters most.
Why Home & Renters Policies Fall Short
Your home or renters policy likely includes coverage for personal property, but it usually caps payouts for certain valuables — often around $1,000 to $2,500 for things like:
- Jewelry & engagement rings
- Fine art, sculptures & antiques
- Cameras & photography gear
- Musical instruments
- Coin or card collections
- Luxury watches or handbags
- Firearms, sports memorabilia, or rare books
If something is lost, stolen, or damaged and exceeds those limits, you’re on the hook for the rest — unless it’s scheduled on a valuable items policy.
What Scheduled Personal Property Covers
Scheduling valuable items means you’re insuring them for their full value — and often with no deductible. It can be added as an endorsement to your home policy or written separately, depending on what you need.
- Full replacement value for insured items
- Accidental loss (like losing a stone from a ring or dropping a camera)
- Mysterious disappearance — when something vanishes with no explanation
- Worldwide protection — whether it’s at home, in transit, or on vacation
Coverage isn’t just for the ultra-wealthy. If it would be hard to replace, it’s worth insuring right.
Real-World Examples from Wisconsin
- A Waukesha couple insures their wedding rings after learning their home policy only covers $1,500 per claim.
- A college student in Madison protects her violin with scheduled coverage so it’s covered whether at home or in transit
- A collector in Elm Grove schedules his rare comic books to ensure they’re valued appropriately in case of loss.
Frequently Asked Questions About Valuable Items Insurance
How do I insure my engagement ring?
You’ll want to schedule it with an appraisal. We’ll help you get it listed for its full replacement value with coverage for theft, loss, or damage.
Is it expensive to insure valuables separately?
Not usually. Most personal articles policies are very affordable, especially considering the value they protect — often just a few dollars a month per item.
What’s “mysterious disappearance” and is that covered?
Yes, in most scheduled item policies. That’s when something goes missing — like a loose stone from a ring or a camera left behind — and there’s no clear event or cause.
Does this replace my homeowners or renters policy?
No — it supplements it. Your base policy covers general contents, but scheduled coverage fills the gap for high-value items. (Check your [Homeowners Insurance] or [Renters Insurance] page for base coverage details.)
Do I need an appraisal to insure valuables?
Yes, for most items — especially jewelry or antiques. It helps ensure proper valuation and smooth claims if something happens.
Let’s Make Sure Your Valuables Are Truly Covered
We can help you review what’s covered under your current policy — and what isn’t. Whether you want to insure one engagement ring or a whole collection, we’ll make it simple. Just send us a message or ask for a quote.