Affordable Jewelry & Fine Arts Insurance | Orbit Insurance Services

Protecting your treasures

What coverages can I get for my Valuables?

Specialized valuable items insurance provides deeper protection than standard home policies for the assets that matter most.

Theft Coverage

Full reimbursement for the theft of jewelry, fine art, or high-end electronics, whether occurring inside your home or while traveling worldwide.

Loss or Damage

Covers accidental physical damage, such as a dropped gemstone, a torn canvas, or shattered decorative glass, which is often excluded from basic dwelling policies.

Mysterious Disappearance

If you lose a diamond earring or a small collectible with no clear explanation of when or where it went, this coverage ensures you are still protected.

Worldwide Protection

Unlike standard home insurance, these specialized policies travel with you. Whether you're in Paris or Tokyo, your jewelry and fine arts are fully insured.

Agreed Value Coverage

We lock in an agreed-upon value for your items. If a loss occurs, you receive the full agreed amount without any disputes or depreciation adjustments.

Reinstatement of Value

For fine art that may have appreciated, this coverage ensures that if your item is damaged, you are compensated for its current, higher market value rather than what you originally paid.

Why Orbit

Why Orbit is the best choice for Valuables Insurance?

Tailored Coverage

Standard home policies have low sub-limits for jewelry and art. We create specialized "floater" policies that provide the actual, specific coverage your high-value collection needs.

Expert Appraisal Support

We help you coordinate professional appraisals so your documentation is ironclad, ensuring rapid claim processing and fair valuation should a loss occur.

Security & Storage Credits

Do you keep items in a bank vault or a home safe? We secure premium credits for policyholders who utilize professional-grade security and storage solutions.

Worldwide Coverage

Traveling the world? Our valuables insurance covers your items everywhere you go, not just while they sit in a box at home.

Talk to a valuables expert today

Protect the items that define your legacy. Our experts are ready to help you appraise and secure your most valuable personal possessions.

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The basics

What is Jewelry/Fine Arts/Valuable Items Insurance?

Valuable items insurance—often called a "scheduled personal property floater"—is a specialized policy that offers much broader, more robust protection than a standard homeowners or renters policy. While your home policy likely includes some personal property coverage, it usually has very strict, low sub-limits for high-value categories like jewelry, watches, artwork, and collectibles.

This insurance allows you to "schedule" or itemize your most precious possessions individually. By doing so, you get coverage that is not subject to a generic deductible and includes protections for "mysterious disappearance" (losing something and not knowing where) and accidental damage, which are rarely covered in basic policies. It’s the ultimate financial peace of mind for collectors, ensuring that if your most cherished items are lost or destroyed, they can be replaced or their value fully compensated.

Factors That Impact Your Rates

Appraised Value: The most significant factor. Higher-value items naturally require more coverage and result in higher premiums.
Item Type & Rarity: Certain items are more susceptible to theft or damage than others. For example, a delicate oil painting requires different underwriting consideration than a set of durable gold coins.
Security & Storage: Items kept in a UL-rated home safe, a professional vault, or a monitored gallery will generally qualify for lower insurance rates than those kept in a standard dresser drawer.
Travel Habits: If you frequently travel with your valuables (e.g., wearing jewelry at international events), your risk of loss or theft increases, which will be reflected in your rate.

Coverage Note: While jewelry coverage typically costs 1-2% of the item's appraised value annually, fine arts insurance rates can vary significantly more based on the specific fragility of the pieces and the nature of the collection.

Good to know

Frequently asked questions

Most standard home insurance policies have very low "sub-limits" for valuables—often as low as $1,000 to $2,500 total. Furthermore, they require a police report for theft and often don't cover mysterious disappearance or accidental breakage. A scheduled jewelry policy provides much higher limits and broader coverage.

For most high-value items, yes. Insurance companies need an up-to-date professional appraisal to determine the exact market value of the item. Older appraisals may not reflect current market values for gold, diamonds, or fine art, leading to potential under-insurance.

Mysterious disappearance is an insurance term for an item that is lost and cannot be found, but there is no proof of theft. Because standard homeowner's insurance rarely covers this, valuable items insurance is often the only way to get reimbursed for a lost ring or earring when you have no idea how or where it was lost.

Generally, no. Insurance premiums for personal items are considered personal expenses and are not tax-deductible. If you are a professional art dealer or jeweler and these items are part of your business inventory, the insurance costs might be considered a deductible business expense.

To generate an accurate valuables insurance quote, we need:

Appraisal Documentation: A recent professional appraisal for each item.
Item Photos: High-quality photos showing the items from multiple angles.
Security Details: Information on home security systems, safes, or professional storage locations.
Claims History: Details of any past claims related to jewelry, art, or valuables.

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