Safeguard Your Most Precious Possessions

Our valuable personal property (VPP) insurance is designed to protect a wide array of treasured assets, ensuring your unique collection receives the comprehensive coverage it deserves, robust protection that extends far beyond the sublimits of a standard homeowners policy.

Understanding valuable personal property and deductible options with High Value Home Insurance Group

The foundation of strong VPP coverage is proper documentation and scheduling. Our guides on appraising jewelry and fine art and blanket vs. scheduled coverage explain how to protect each item at its true value.

What We Protect

Fine Art and Collectibles

From a priceless Monet to a rare vintage baseball card, our VPP coverage protects a diverse range of fine art and collectibles against theft, damage, and loss.

Jewelry and Watches

Your jewelry is a symbol of your style, success, and cherished memories. Our agreed value coverage protects high-value jewelry and watches so you can wear your treasured pieces with confidence wherever life takes you.

Musical Instruments and Memorabilia

For musicians and collectors alike, our coverage safeguards prized instruments and memorabilia against the risks of performance, transport, and display.

Wine Collections and Epicurean Delights

For the discerning collector, our coverage extends to treasured wine collections and other epicurean investments, protecting your palate and your passion.

Couture Clothing and Accessories

Your wardrobe is an investment in quality craftsmanship. Our coverage protects high-end fashion items and accessories that standard policies overlook.

How Our Valuable Personal Property Coverage Works

Agreed Value Coverage

We work with you and trusted appraisers to determine the value of your items before a loss occurs. In the event of damage or theft, you receive the agreed-upon amount with no depreciation or deductions, the full predetermined value of your treasure.

Worldwide Protection

Your precious items often travel with you, from a gallery opening in Paris to a concours in Pebble Beach. Our coverage provides seamless worldwide protection so your treasures are covered no matter where your passion takes you.

Inflation Protection

As your collectibles appreciate, built-in inflation protection automatically adjusts your coverage limits to keep pace with rising values, so your coverage remains adequate as your collection grows.

Liability Coverage

When you showcase your collection or host events, liability coverage protects you against claims arising from accidents or injuries related to your valuable personal property.

Newly Acquired Items

Acquire a new treasure at auction or while traveling and it is automatically covered for a grace period, giving you time to report and appraise it without leaving it unprotected.

Scheduled Items Coverage

For your most precious possessions, scheduled items coverage lets you individually list and insure specific high-value items for their full worth, documented with appraisals and photographs. Learn more in our guide to blanket vs. scheduled coverage.

Are Your Valuables Protected at Their True Value?

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Valuable Personal Property Coverage for High-Value Homes

Safeguard Your Most Precious Possessions

What We Protect

How Our Valuable Personal Property Coverage Works

Secure Your Legacy Today!

Are Your Valuables Protected at Their True Value?

Locations We Protect

Valuable Personal Property Coverage for High-Value Homes

Safeguard Your Most Precious Possessions

What We Protect

How Our Valuable Personal Property Coverage Works

Secure Your Legacy Today!

Go Deeper: Protecting Your Collections

Blanket vs. Scheduled Personal Property

How to Appraise Jewelry and Fine Art

How to File a High-Value Personal Property Claim

Are Your Valuables Protected at Their True Value?

Locations We Protect