Find Valuables Insurance that Matches Your Goals

Find Your Valuables Insurance Match

The short answer

Valuables insurance — sometimes called scheduled personal property coverage — protects jewelry, fine art, collectibles, cameras, musical instruments, and other high-value items that standard homeowners or renters policies routinely underinsure. A standalone valuables policy covers individual items at their appraised or agreed value, often with no deductible and worldwide coverage. Tell us what you own and how you want claims handled. Claire surfaces editorial matches across our rated carriers using JumpSteps' four-component methodology — partners and non-partners scored the same way.

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Brands that might match your goals

Your goals surface the strongest fits for your specific situation.

Lemonade Partner

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Farmers Insurance Partner

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AIG

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Chubb

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Want to research first? Our editorial guide to valuables covers what's actually involved, how the category works, and what to weigh. Read the JumpSteps guide →

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What to know about valuables insurance

Most homeowners and renters policies cap coverage for jewelry, fine art, and collectibles at somewhere between $1,000 and $2,500 per category — regardless of what those items are actually worth. If you own a piece of jewelry, a vintage camera, or a painting that costs more than that to replace, a standard policy leaves a gap.

That's where scheduled personal property coverage comes in. "Scheduled" means each item is listed individually on the policy at an agreed or appraised value — so if something is lost, stolen, or damaged, the payout reflects what the item is actually worth, not a blanket sub-limit. Coverage typically follows the item anywhere in the world, which matters for things you travel with or lend to institutions.

Carriers in this space take different approaches, and the differences are worth understanding before you match:

Digital-first carriers like Lemonade are built for fast, paperless onboarding. They handle straightforward items — cameras, musical instruments, everyday jewelry — well, with AI-assisted claims and minimal documentation friction.
Specialty and legacy carriers like Chubb and AIG bring deep expertise in fine art, wine, jewelry, and luxury collections. Claims handling is often managed by dedicated specialists, and coverage structures are designed for high-value assets where agreed value matters most.
Full-service regional carriers like Farmers Insurance offer hybrid pathways — agent access, bundling options, and the ability to layer valuables coverage into a broader insurance relationship.

Before you match, it helps to have a few things ready: recent appraisals or purchase receipts for high-value items, a rough inventory of what needs coverage, and a sense of whether you want a deductible or prefer a $0-deductible structure. Worldwide coverage matters if you travel with the items or ever loan them out.

No scores or ratings are displayed on this page — editorial scores live on individual brand review pages. What this page does is surface carriers whose product structures align to what you're looking for.

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$2,500

Typical homeowners cap for jewelry coverage

Most standard homeowners and renters policies limit coverage for jewelry, fine art, and collectibles to a fixed dollar amount per category — often $1,000 to $2,500 — regardless of the item's actual value.

"Scheduled" means each item is listed individually on the policy at an agreed or appraised value — so if something is lost, stolen, or damaged, the payout reflects what the item is actually worth, not a blanket sub-limit.

Claire’s Take

What’s this?

Claire is JumpSteps’ AI matching engine — the intelligence that connects what you’re trying to do financially with the products designed for that purpose. Meet Claire →

The coverage gap in a standard homeowners policy is real — and for anything appraised above a few thousand dollars, a scheduled valuables policy is the structure built to close it. Digital-first carriers handle everyday items with speed and minimal paperwork; specialty carriers bring the expertise and claims handling that high-value art and jewelry collections warrant. What matters is matching the coverage structure and claims experience to what you actually own.

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Every rating combines four distinct components: editorial analysis, industry consensus scores from up to 13 recognized publications (normalized to a 0–10 scale), structural completeness of verified product data, and institutional trust signals including AM Best rating, BBB rating, and Partner Verified status. The amount a partner pays does not determine the score — all brands are evaluated using the same methodology.

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Frequently Asked Questions

Is this a recommendation?

JumpSteps cannot provide personalized financial advice — regulatory rules prohibit it. What we can do is surface the information that makes the decision easier. Every brand on this page carries an editorial score built from verified product data and consensus ratings from up to 13 recognized publications. Share your goals with us and we'll generate a Match Score that shows how well each product aligns with what you're actually looking for — no advice, no pressure, just the data you need to decide for yourself.

What does valuables insurance actually cover?

Valuables insurance — formally called scheduled personal property coverage — lists individual items on the policy at their appraised or agreed value and pays out based on that value if the item is lost, stolen, or damaged. Common covered items include jewelry, fine art, collectibles, cameras, musical instruments, wine, and sports equipment. Unlike a standard homeowners policy, which caps coverage for entire categories at a fixed amount, a scheduled policy covers each listed item individually. Many valuables policies also include worldwide coverage and a $0 deductible, though both features vary by carrier — confirm with the carrier directly.

Do I need a separate policy or can I add it to my homeowners coverage?

Both pathways exist. An endorsement — sometimes called a rider — adds scheduled item coverage to your existing homeowners or renters policy. A standalone valuables policy is a separate contract just for your high-value items. The trade-off: endorsements often carry the same deductible as your homeowners policy and may have narrower coverage terms. Standalone policies frequently offer broader coverage, a $0 deductible, and clearer claims handling for high-value assets. Which structure fits depends on what you own and how your current policy is set up — that's what the Match Score is designed to help surface.

How does JumpSteps match me to a valuables insurance carrier?

A JumpSteps Match Score compares your stated goals to a carrier's product features and their overall editorial score. It is scored 0–100 and reflects goal-to-feature alignment — not a financial recommendation. Scores differ for every person based on what they tell us. Claire, the Clarity Matching AI Engine, reads signals like item type, total insured value, deductible preference, and claims-handling expectations to surface carriers whose coverage structures align with what you're looking for. No credit check, no hard inquiry, ever. Approval and eligibility decisions are made entirely by the carrier based on their own criteria.

What's the difference between agreed value and replacement cost coverage?

Agreed value means the carrier and policyholder settle on what the item is worth before the policy is written — that amount is paid in full at claim time, with no depreciation applied. Replacement cost means the carrier pays what it would cost to replace the item at current market prices at the time of the claim, which can differ from the original purchase price. For fine art and jewelry, agreed value is generally the structure that high-value specialty carriers build around, since market prices for unique items can be hard to establish after the fact. Whatever structure a carrier offers, what matters is matching it to how you've valued the item and documented it — confirm coverage terms directly with the carrier.