Extraordinary Coverage for What’s Priceless
Some things can’t be replaced—but they can be protected. Whether it’s an heirloom engagement ring, a private art collection, or rare collectibles, we help you insure what standard homeowners policies often overlook.
At 1st Choice Insurance Advisors, we work with high-quality carriers to offer customized personal articles coverage—built around the true value of your most cherished pieces.
Why Schedule Items Separately?
Most homeowners policies cap coverage for valuables like jewelry or artwork—often well below their true worth.
Scheduled coverage allows for:
- Higher individual limits
- Broader protection, including accidental loss
- Agreed value options (no depreciation)
- Easier, faster claims processes
We’ll help you document your items, secure appraisals if needed, and ensure everything’s up to date.
What’s Covered
Personal articles floaters or endorsements can cover:
- Fine jewelry and engagement rings
- Loose stones or recently acquired pieces
- Fine art, sculptures, and framed works
- Antiques and rare collectibles
- Watches, silverware, wine collections, and more
Coverage includes theft, accidental loss, damage, and mysterious disappearance—subject to policy terms.
