Coverage That Fits Your Most Valuable Things
Jewelry, watches, furs, silver, and heirlooms are worth far more than the small sub-limits buried in a standard homeowners policy. We schedule your valuables on a floater with agreed value and worldwide protection, so a loss is settled fairly instead of capped at a few thousand dollars.
Why Your Homeowners Policy Is Not Enough
Most homeowners and renters policies quietly cap how much they will pay for certain categories. Jewelry theft is often limited to $1,500 or so, with similar sub-limits on silverware, furs, and collectibles. If your engagement ring, a inherited watch, or grandmother's flatware is worth more than that cap, the rest comes out of your pocket.
A scheduled personal property floater fixes that. Each item is listed individually, insured for an agreed value, and protected against a much wider range of losses, including accidental loss and mysterious disappearance that a base policy usually excludes. You deal with a Jacobs family member from appraisal to claim, backed by Allstate's national claims network.
What a scheduled floater can cover
- Engagement rings, fine jewelry, and loose stones
- Luxury and heirloom watches
- Furs, sterling silver, and fine flatware
- Agreed value settled up front, no depreciation fight
- Worldwide protection, at home or traveling
- Broad coverage for loss, theft, and accidental damage
Ways we make it simple and affordable
- Appraisals done right. We tell you exactly which items need a current appraisal or receipt and which can be scheduled from a documented value.
- Bundle with your home. Adding a floater to your existing home or renters policy usually costs far less than people expect.
- Only schedule what matters. We help you decide which pieces are worth listing individually instead of over-insuring the whole house.
- Easy updates. New ring, new watch, or a fresh appraisal? A quick call keeps your values current.
Settle the Value Before a Loss, Not After
The worst time to argue about what a ring or a painting is worth is right after it is gone. With agreed value, you and your insurer lock in the number up front, backed by a current appraisal or receipt, so a covered total loss pays that amount without a depreciation debate.
We walk you through which items need a professional appraisal, how often to refresh them as gold and gemstone prices move, and how to document everything so a claim is smooth.
- Agreed-value payouts on every scheduled item
- Guidance on which pieces need a formal appraisal
- Reminders to refresh values as markets change
The Valuables Worth Listing
Jewelry
Rings, necklaces, and loose stones.
Watches
Luxury and heirloom timepieces.
Furs & Silver
Furs, sterling, and fine flatware.
Heirlooms
Family pieces and one-of-a-kind valuables.