Valuables Insurance Coverage

We work with superior carriers for your superior coverage

There's no feeling worse than thinking something is covered on your homeowner's policy, only to find out later you were wrong.

Are Your Valuables Properly Protected?

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62%

of accomplished individuals don't have valuables coverage according to CHUBB

only $500

limited coverage from standard insurance policies

Why Our Agency?

What many people don’t realize is that standard insurance policies aren’t robust enough to handle their accomplished lifestyles. Insuring your personal success adequately is serious business. We can customize a comprehensive risk management policy specifically for your personal needs.  

Protecting Your Hobbies

The range of coverage available for Boat Insurance varies as much as the types of watercraft's available to buy.

Boats and jet skis are a nice break from the hustle and bustle of daily life, but they also have the potential to be damaged in a myriad of ways. Not only can your "toys" be damaged from wind, hail, lightning or waves ... but they also are at risk while being pulled from one spot to another. The right insurance policy will be there to protect your boat or jet ski, and partnering with an insurance company that offers coverage based on the agreed value should save headaches when the coverage is needed. The range of coverage options available varies as much as the types of boats an accomplished individual can buy. Due to the range in coverage differences available, it is important to work with a knowledgeable risk manager who can help you find the proper policy for your personal needs. Many insurance companies have restrictions in their appetite based on the size or speed of boat they are willing to insure, which can make securing the right coverage a bit of a hassle ... if you don't have an agent that specializes in assisting accomplished individuals.

Protecting Your Posessions

Many successful families make the mistake of assuming their pieces will be covered by their typical homeowner's policy.

A recent CHUBB study revealed that 62% of accomplished individuals did not have jewelry coverage at all. Many successful families make the mistake of assuming their pieces will be covered by their typical homeowner's policy, but many of those policies limit the value of such pieces (to as little as $500 per item). When you purchase a valuable collection insurance policy with POWERS Insurance, you can combine your valuable jewelry, paintings, sculptures, china or sports collections. Some of the other benefits of this specific policy can include coverage for mysterious disappearance and higher value coverage at time of loss. Insurance companies who focus on high net worth clients will commonly offer a valuables policy with inflation protection coverage ... so the true value of the piece will be covered adequately in a loss.

Protecting Your Collections

You've worked hard to build a collection like this one. We can cover you in the event you buy a counterfeit collectible. 

Don't risk losing your entire collection because it wasn't properly insured. The best way to protect such a collection is through a stand-alone valuable articles policy. The insurance companies we partner with can offer coverage under a blanket policy (which covers the items in your collection for a total value, e.g. $100,000) or you may request coverage for each individual item.

HOMEOWNERS DISCOUNT

While you may not own any single individual piece of jewelry, art or other collectible of massive value, the odds are pretty good that you have enough of these smaller ticket items that a loss would still be impactful. According to a recent private client study, nearly 90% of those surveyed had collections of such items that exceeded $25,000.

One other added bonus is that some carriers will offer a discount on the homeowners policy of up to 10% when it is paired with a collectibles policy. In many cases, it's actually cheaper to have both policies in force with a carrier than to have just the homeowners policy!

COVERAGE DETAILS

There's no feeling worse than thinking something is covered on your homeowner's policy, only to find out later you were wrong. Unfortunately, that's too often the case when it comes to a fine jewelry piece or a small collection. In fact, a recent CHUBB study revealed that 62% of accomplished individuals did not have jewelry coverage at all. Many successful families make the mistake of assuming their pieces will be covered by their typical homeowner's policy, but many of those policies limit the value of such pieces (to as little as $500 per item). When you purchase a valuable collection insurance policy with POWERS Insurance, you can combine your valuable jewelry, paintings, sculptures, china or sports collections. Some of the other benefits of this specific policy can include coverage for mysterious disappearance and higher value coverage at time of loss. Insurance companies who focus on high net worth clients will commonly offer a valuables policy with inflation protection coverage ... so the true value of the piece will be covered adequately in a loss.

PERSONALIZED QUALITY COVERAGE & SERVICES YOU NEED

ABOUT US

Our mission statement has always been at the core of everything we do: POWERS® Insurance & Risk Management challenges the status quo to create clarity and safeguard the financial well-being of our clients, their employees, and families.
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