Valuable Items Insurance

Your Valuable Items Insurance Experts

Your most treasured possessions — jewelry, fine art, collectibles, and heirlooms — deserve special protection. Standard home insurance policies often have limits on coverage for high-value items.

At L&T Agency Group, we help you protect your valuable items with specialized coverage that ensures you're fully compensated if something happens.

The Basics of Valuable Items Insurance

Valuable items insurance (also called a floater or scheduled personal property endorsement) provides coverage for specific high-value items at their appraised value. This coverage typically has no deductible and covers a broader range of losses.

Items commonly covered include engagement rings, watches, fine art, musical instruments, collectibles, and antiques. L&T Agency Group helps you document and insure your valuables properly.

The Impact of Valuable Items Insurance

Imagine losing a family heirloom or having your engagement ring stolen, only to discover your standard policy covers just a fraction of its value. Valuable items insurance ensures you can replace irreplaceable items.

Protecting your treasures gives you peace of mind and preserves their legacy for future generations. L&T Agency Group has helped many families properly insure their most precious possessions.

• Covers items at full appraised value
• No deductible on most claims
• Broader coverage than standard policies
• Protects against loss, theft, and damage

Coverage You Can Count On

At L&T Agency Group, we understand that life comes with risks — some expected, others completely out of the blue. That's why we provide clear, dependable insurance solutions designed to give you peace of mind. Our goal is to help you feel confident in the face of uncertainty, knowing you're protected no matter what comes your way.