Personal Insurance
Irreplaceable Collections
Deserve Agreed Value
Jewelry and fine art coverage built around current appraisals, worldwide protection, and no depreciation — not the sub-limits buried in your homeowners policy.
Standard homeowners policies offer as little as $1,500 for jewelry. Your collection deserves a policy built specifically for it.
Our Process
Appraise. Schedule. Protect.
We review your current coverage against the actual appraised value of your collection — and build a policy that pays the full agreed value at claim, with no negotiation.
Our advisors work with appraisers and valuation specialists to ensure your scheduled items reflect current market values — and that your policy responds with full agreed value, worldwide, for any covered cause of loss.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- Scheduled item appraisal review
- HO sub-limit gap analysis
- Worldwide coverage confirmation
- No obligation to proceed
Collection Coverage Analysis
Program Comparison
Current Program
$2,800
Optimized Structure
$7,380
Your Collections Proposal
Review your customized jewelry and fine art coverage recommendations
Jewelry
Current Coverage
HO Floater $50K
Annual Premium
$2,800
Proposed Coverage
Agreed Value Scheduled
Annual Premium
$2,100
Why It Matters
Your homeowners policy sub-limits are not adequate coverage.
Standard homeowners policies limit jewelry coverage to $1,500–$2,500 and rarely cover fine art at full value. A loss without a proper scheduled policy means recovering a fraction of what you owned. We close that gap completely.
What We Cover
Every Piece in Your Collection, Valued Properly
From fine jewelry to museum-quality art to rare wines — every category of collectibles, covered at agreed value.
Fine Jewelry & Watches
Agreed value, worldwide coverage for rings, necklaces, watches, and jewelry collections — with no depreciation and no deductibles on most scheduled items.
Coverage Includes
- Agreed value — full replacement, no depreciation
- Worldwide coverage including travel
- Mysterious disappearance covered
- Pair and set coverage
Fine Art & Antiques
Specialist art insurance that covers paintings, sculpture, antiques, and decorative arts with agreed values based on current appraisals.
Coverage Includes
- Agreed value based on recent appraisal
- Transit and loan coverage
- Restoration costs after partial damage
- No deductible on scheduled works
Collectibles & Wine
Coverage for rare books, coins, stamps, wine, spirits, and other collectibles that require specialized valuation and agreed value treatment.
Coverage Includes
- Wine and spirits cellar coverage
- Rare coins and philatelic items
- Sports memorabilia and trading cards
- Breakage coverage for fragile items
Blanket & Unscheduled
Broad blanket coverage for lower-value items not individually scheduled — ensuring everything in your collection has a protection baseline.
Coverage Includes
- Blanket jewelry limit for unscheduled items
- Broad form all-risk coverage
- Coverage during renovation or storage
- Newly acquired items automatic coverage
Who We Serve
Collectors Who Understand What They Own
We work with private clients who have curated meaningful collections and understand that what they own deserves specialized treatment.
Jewelry Collectors
Estate jewelry, signed pieces, and significant collections that far exceed homeowners sub-limits and require agreed value scheduling.
Art Collectors
Contemporary, modern, and Old Master works held at home, in storage, or on loan — all requiring specialist art insurance with proper agreed values.
Multi-Asset Collectors
Collectors who hold diverse assets across jewelry, art, wine, and collectibles need a coordinated program that covers everything without gaps.
Your collection deserves coverage that pays what it's actually worth.
No obligation. Confidential review. Built around your appraisals.