- tony.holliday@goosehead.com
- (719) 960-4898
- 102 S. Tejon St Suite 1128, Colorado Springs, CO 80903
Some items are more than “stuff.” An engagement ring, a watch, or a family heirloom can be expensive to replace—and emotionally hard to replace.
A standard home policy may have limits for jewelry and other valuables. Valuable items insurance (often called jewelry insurance or scheduled personal property coverage) adds extra protection for high-value items.
At Tony Holliday Insurance, we help people in Colorado Springs protect the items that matter most with clear, simple coverage options.
If you want to see how valuables fit into your overall home protection, start with Home Insurance in Colorado Springs.
Valuable items/jewelry insurance adds extra coverage for high-value items that may not be fully protected under a standard home, condo, or renters policy.
If you’re a homeowner, see Homeowners Insurance .
If you own a condo, see Condo Insurance.
If you rent, see Renters Insurance.
Many people assume their home policy covers jewelry “no matter what.” In real life, there are often limits and rules.
A valuable items policy can help when you want:
It’s especially helpful for engagement rings and other items you wear often.
Valuable items coverage can be used for many types of property, such as:
If you’re not sure whether something qualifies, ask us. We’ll tell you clearly.
Coverage depends on the policy, but many valuable item policies are designed to help with situations like:
We’ll explain what is included, what is limited, and how claims typically work.
Coverage varies, but builders’ risk is often designed to protect:
That can help, but it may still have limitations. If you’re starting from scratch, you can begin with Home Insurance in Colorado Springs, and we’ll show how to handle valuables.
That's when you list specific items with details and value. It often creates clearer protection for those items. We'll help you compare the two options so you can choose the one that best fits your situation.
For higher-value jewelry, an appraisal helps set a clear value and makes the process smoother if a claim happens.
Photos, receipts, and basic descriptions matter. If you ever need to file a claim, this information will be very helpful.
Even a short list makes it easier to quote and choose the right coverage limit.
Some people insure one ring. Some insure multiple pieces. Some include watches and collectibles.
Policies may handle value in different ways. We'll explain what that means in simple terms.
The goal is simple: if it's lost, stolen, or damaged in a covered way, you can replace it without draining your savings. If you want broader protection for liability risks, too, consider Personal Umbrella Insurance
Like any policy, it has rules. Many plans do not cover:
We’ll walk through the basics, so you know what you’re buying.
To start, we usually need:
If you don’t have everything yet, that’s okay. We can still start the conversation.
Please tell us what you want to protect.
We'll show options and explain the difference in plain English.
You choose what fits. We help you set it up correctly.
We help clients in nearby communities, including:
Want the full list? Visit Service Areas
If you want extra protection for jewelry or valuables, we'll make it simple. Start here, and we'll show you clear options that match your items and your budget.
It may cover it, but there are often limits and rules. A jewelry policy can enhance protection and clarify coverage. If you own a home, see Homeowners Insurance.
For higher-value items, it usually helps. An appraisal can support the value and make claims smoother.
Yes. Many people insure only their highest-value items.
Many policies can cover loss or theft away from home, depending on the coverage type. We'll explain what applies to your items.
Often, the same day, once we have your item list and estimated values. You can start here: Get a Free Quote.
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