Your Homeowners Policy Won't Protect Your Valuables.
Specialized coverage for jewelry, watches, art, collectibles, and everything your standard insurance ignores. No depreciation. No deductibles. No excuses.
The Fine Print
The problem with standard insurance.
Your homeowners policy treats your grandmother's ring the same as your toaster. That's a problem.
Pathetic Coverage Limits
Most homeowners policies cap jewelry at $1,500-$2,500 total. That barely covers one nice watch, let alone your wife's engagement ring.
Appraisal Nightmares
Standard policies pay 'actual cash value' - meaning they depreciate your grandmother's heirloom like it's a used car.
Mysterious Item Exclusions
Lost your watch while traveling? Good luck. Most policies only cover theft from your home and require proof of forced entry.
What You Get
The Veteran Alliance solution.
Coverage designed by people who actually understand valuable items.
Everything's Covered
Jewelry, watches, fine art, collectibles, antiques, musical instruments, wine collections, sports memorabilia—if it's valuable, it's covered.
All-Risk Protection
Theft, mysterious disappearance, accidental damage, even dropping your ring down the drain. No deductible. Full replacement cost.
Worldwide Coverage
Deployed? On vacation? Your valuables are covered wherever you go. Wear your jewelry with confidence.
Simple Documentation
Items under $5,000 often don't need appraisals. Photos and receipts work fine. We're not trying to make this harder than it needs to be.
Fast Claims
Lost your watch? File a claim, get it processed, get your replacement. No 6-month investigations.
Talk to Real People
Every person you talk to is a veteran. No call centers. Just straight talk from people who understand service.
Coverage Detail
What we cover.
If it's valuable to you, it's valuable to us.
Jewelry & Watches
- ✓Engagement and wedding rings
- ✓Fine watches (Rolex, Omega, etc.)
- ✓Necklaces, bracelets, earrings
- ✓Family heirlooms and antiques
- ✓Custom and designer pieces
- ✓Loose gemstones
Fine Art & Collectibles
- ✓Paintings and sculptures
- ✓Limited edition prints
- ✓Antique furniture
- ✓Rare books and manuscripts
- ✓Coins and stamps
- ✓Sports memorabilia
Musical Instruments
- ✓Guitars (acoustic, electric, bass)
- ✓Pianos and keyboards
- ✓Brass and woodwind
- ✓String instruments (violins, cellos)
- ✓Amplifiers and equipment
- ✓Vintage and collectible instruments
Other Valuables
- ✓Wine and spirits collections
- ✓Camera and photography equipment
- ✓Electronics (high-end)
- ✓Designer handbags and accessories
- ✓Furs and couture fashion
- ✓Trophy collections
What's Not Covered
- ✗Normal wear and tear
- ✗Intentional damage
- ✗Items being professionally cleaned/repaired
- ✗Vehicles, aircraft, or watercraft
- ✗Business inventory (need commercial policy)
Pricing
Simple, transparent pricing.
Protection that fits your collection and your budget.
Essential Protection
For a few key pieces
- ✓$0 deductible
- ✓All-risk coverage
- ✓Worldwide protection
- ✓Mysterious disappearance
- ✓24/7 claims support
Premium Coverage
For larger collections
- ✓Everything in Essential
- ✓Breakage coverage
- ✓Pair and set coverage
- ✓Automatic inflation adjustment
- ✓Priority claims processing
Collector's Protection
For substantial collections
- ✓Everything in Premium
- ✓Expert appraisal services
- ✓Agreed value settlements
- ✓Exhibition coverage
- ✓Dedicated claims specialist
Custom Coverage
For estate-level collections
- ✓Tailored to your collection
- ✓Multi-category discounts
- ✓Specialized underwriting
- ✓Personal risk consultant
- ✓Annual review and updates
How It Works
Getting started.
Protecting your valuables takes less than 10 minutes.
Document Your Valuables
Take photos, gather receipts, and note any appraisals. Don't have everything? That's okay—we can help.
Get a Quote
Tell us about your collection. We'll provide a quote in minutes with coverage options tailored to your needs.
Select Your Coverage
Choose the protection level that's right for you. Adjust limits as your collection grows.
Enjoy Peace of Mind
Wear your jewelry. Display your art. Use your instruments. Live your life knowing you're protected.
FAQ
Questions about valuables insurance.
Everything you need to know about protecting your prized possessions.
Frequently Asked Questions
Not necessarily. Items under $5,000 typically just need photos and receipts. Higher-value items may need professional appraisals, but we'll guide you through the process and recommend trusted appraisers.
No problem. We can work with appraisals, photos, and your description of the item. Inherited pieces are some of the most important to protect.
No, this supplements it. Your homeowners policy has limited coverage for valuables. This policy provides the specialized, comprehensive coverage your valuable items deserve.
When something goes missing and you genuinely don't know how. Maybe you took off your ring at the gym and it was gone when you came back. Most policies don't cover this—we do.
Absolutely. Just send us photos and documentation. We'll add items within 24 hours. No need to wait for policy renewal.
With agreed value policies, you're covered for the appraised amount. We recommend updating appraisals every 3-5 years. Some policies include automatic inflation adjustments.
Most straightforward claims are processed within 5-7 business days. Complex claims may take longer, but we'll keep you updated every step of the way.
Items at a jeweler or repair shop are typically excluded. However, coverage resumes the moment you pick them up. We recommend asking your repair shop about their insurance.
Protect What Matters Most
Your valuables deserve better than a footnote in your homeowners policy. Apply and a licensed specialist will return real coverage options — manual underwriting, no instant bind.