Silas Chapman & Company - Insurance Since 1872. Serving West Hartford, Connecticut and the surrounding communities for over 135 years. 779 Farmington Avenue
2nd Floor
West Harford, CT  06119
Phone: 860.570.0700

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Valuable Items Insurance

Valuable Items InsuranceThe advantages to scheduling valuable items on your homeowner policy or insuring them separately in some cases on their own policy is having the broadest possible causes of loss covered and having no deductible apply to that loss.

The one negative is most companies do not accommodate for inflation if the item increases in value. In other words, if your scheduled engagement ring's diamond increases in value you only collect the scheduled amount. To offset this risk it is best to have your scheduled items re-appraised every 3 to 5 years, most insured's do not do this because of the cost and inconvenience but it is recommended.

Many items can be scheduled on your homeowner policy such as: jewelry, fine arts, antiques, collectibles, golf clubs, silverware, cameras, and musical instruments to name a few.

Depending on the particular type of item/collection and value of the item/collection a detailed description and/or a bill of sale or a recent appraisal (within last 3 years) by a certified appraiser is enough to obtain coverage.

Please discuss with one of our agents any scheduled item coverage you maybe interested in.

Copyright 2009-2014 Silas Chapman & Company - All Rights Reserved.
Silas Chapman & Company • 779 Farmington Avenue • West Hartford, Connecticut 06119
Phone: 860.570.0700 Fax: 203.397.9497
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Silas Chapman & Company has been providing insurance to businesses and individuals
in West Hartford, Connecticut and the surrounding communities for over 135 years.
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