Skip to main content

Valuable Items Insurance for the Things Worth Protecting

Some belongings carry more than financial value. They can represent milestones, memories, collections, and investments that deserve a higher level of protection. Valuable items insurance is designed to help cover select belongings that may not be fully protected under a standard homeowners, renters, or condo policy. At Lumenasa, we help clients find coverage that reflects the true value of what they own.

Why Valuable Items Insurance Matters

Standard insurance policies often place limits on certain categories of personal property. That can leave higher-value belongings underinsured if they are lost, stolen, or damaged.

Valuable items insurance helps provide added protection for the belongings that may need more specialized coverage. It can be an important part of making sure the items you value most are protected with greater care and clarity.

Get A Quote

Why Clients Choose Lumenasa

We believe higher-value belongings deserve more intentional protection. Our team takes the time to understand what you own, explain where standard policy limits may fall short, and help you choose coverage that better reflects the value and importance of your belongings.

What Is Covered?

  • Jewelry Coverage: Helps protect rings, necklaces, watches, and other jewelry against covered loss, theft, or damage.
  • Fine Art Coverage: Helps protect paintings, sculptures, and other works of art that may require specialized coverage beyond a standard property policy.
  • Collectibles Coverage: Helps protect eligible collections such as coins, stamps, memorabilia, or other collectible items against covered loss.
  • Luxury Accessories Coverage: Helps protect qualifying handbags, designer goods, and other high-value personal accessories.
  • Musical Instruments Coverage: Helps protect eligible instruments against covered damage, theft, or loss.
  • Higher Coverage Limits: Helps provide increased protection for valuable items that may exceed the limits included in a standard homeowners, renters, or condo policy.
  • Broader Protection Options: Helps extend coverage for select risks that may not be fully addressed under a base policy, depending on the item and policy structure.
  • Scheduled Item Coverage: Helps insure specific belongings individually so coverage can reflect their appraised or agreed value more accurately.

Request A Personal Risk Review

See what a review of your current insurance coverage uncovers. You may find that you’re adequately protected. You may find otherwise. Either way, you deserve to know for your peace of mind.

Let’s take a look at your situation at no obligation or cost.

Request A Personal Risk Review
Close Menu