Individual items
Explore scheduled coverage or other options for jewelry, art and eligible collections.
PERSONAL INSURANCE
Valuable Possessions Insurance in Massachusetts
Jewelry, artwork and collections can exceed the special limits in a standard home or renters policy. Cushman helps you review coverage for individual items and the records needed to establish their value.
What to review
Coverage details
Compare deductibles, valuation and covered causes of loss rather than considering the limit alone.
Good records
Discuss appraisals, receipts and photographs, and update values when your collection changes.
Coverage descriptions are general. Availability, eligibility, limits, deductibles and exclusions vary by insurer and policy. Coverage is not bound, changed or cancelled until confirmed by our office.
A USEFUL STARTING POINT
What to bring to the conversation
- Item descriptions and photographs
- Receipts or current appraisals
- Existing policy limits and storage arrangements
Valuable Possessions Insurance: common questions
Is every valuable item fully covered by my home policy?
Not necessarily. Special limits and exclusions can apply, particularly to certain causes of loss. Review individual items with your agent.
When should I update an appraisal?
Requirements vary by insurer and item. Ask about acceptable documentation and review values when you acquire or significantly change an item.
Independent advice, close to home.
Cushman Insurance Group has served local families and businesses since 1922. Our family of agencies includes Cushman, Ora Andrews, T. Robert Sullivan and Bergeron. We help you compare available insurance options and understand the limits, deductibles and exclusions before making a decision.
Find our teams in Brockton, Halifax, Lakeville, Norton, South Attleboro and New Bedford, with T. Robert Sullivan serving clients from its Swampscott mailing location. See office details and hours.
LOCAL PEOPLE. PERSONAL GUIDANCE.
Let’s review it together.
Talk with our team about your priorities, your current coverage and what is changing.