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Private Client Services  »  Personal Insurance  »  Valuable Articles Insurance

Valuable Articles Insurance

SilverStone Group is pleased to provide Valuable Articles Insurance to help protect your financial investment in jewelry, collectibles, china, crystal, silver, artworks, furs, antiques and virtually any other type of valuable. A Valuable Articles policy includes the following:

Itemized coverage
This option allows you to determine the insured value of each of your possessions. In the event of a total covered loss of an item, you will receive 100% of the insured value. There is no deductible, no depreciation and no surprises.

150% Replacement Cost
A valuable articles policy provides safeguards for items that appreciate in value. If the market value (before the loss) of an item lost or damaged in a covered loss is greater than the itemized amount listed on the policy, you will receive the market value up to 150% of the itemized coverage amount for the item.

Breakage Protection
If a fragile item that you own is damaged or breaks, coverage is automatically included. This coverage is usually restricted or excluded in typical homeowners policies.

Coverage for “Mysterious Disappearance”
Many homeowners policies don’t cover valuable items that are lost or misplaced, especially when they disappear away from the home. A valuable articles policy provides coverage in these situations.

Worldwide Coverage
Your valuables are automatically covered wherever you take them – anywhere in the world.

Hassle-Free Appraisal Requirements
SilverStone Group doesn’t require an appraisal for every piece that you itemize. For most possessions, only a description of the item and a value are needed. Generally, an appraisal for fine art worth more than $100,000, jewelry worth more than $50,000 and any other item valued over $25,000 is only required.

Cash Settlement
You are not required to replace itemized valuables in the event of a loss. You can choose to receive a cash settlement or replace your valuables at the dealer of your choice. The decision is yours.

Coverage for Newly Acquired Items
If you acquire a new item and already have similar articles insured with itemized coverage, your new item is automatically covered for 90 days for up to 25% of the total itemized coverage for those similar articles (maximum $50,000).

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Our Personal Insurance Team:

Pam McCawley

Principal

Pam is great at solving problems. She has more than 20 years of experience in the personal lines insurance arena, specializing in VIP and complex accounts.

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