Fine diamond jewelry displayed under warm light

Who We Serve

Insurance for High-Value Asset Holders

A valuable home, a jewelry collection, fine art, or a garage of classic cars can far exceed the sub-limits buried in a standard policy. We help Santa Fe collectors and homeowners protect what they have built with coverage sized to true value, not a low default cap. Thoughtful, discreet advice from a local family.

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Framed artwork on a gallery wall in a collector's Santa Fe home

Who This Is For

When Standard Limits Fall Short

Santa Fe draws people who collect, and who care deeply about what they own, whether that is a high-value adobe home, inherited jewelry, a wall of fine art, or a garage of restored classics. The problem is that a basic homeowners policy quietly caps jewelry, art, and collectibles at a few thousand dollars, far below what those items are truly worth.

We close that gap. A Jacobs family member reviews what you own, helps you get proper appraisals, and schedules your valuables so they are protected for their real value, with the discretion these conversations deserve.

Scheduled coverage that reflects appraised value
Protection for homes, jewelry, art, collections, and classic cars
Backed by Allstate's national claims network

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What We Cover For You

Coverage That Matches True Value

High-value households usually need scheduled coverage layered on top of a strong home policy. Here is where we focus.

High-Value Personal Property

Scheduled coverage for jewelry, watches, and valuables that exceed the standard policy limits, protected for their appraised worth.

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Specialty Item Insurance

Fine art, collectibles, firearms, instruments, and classic cars, appraised and protected properly rather than lumped into a basic policy.

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Home Insurance

A strong foundation for a valuable home, with rebuild costs and Northern NM wildfire and hail risk factored in from the start.

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Why Collectors Choose Us

Careful Coverage, Discreet Service

Protecting valuable assets takes attention to detail and someone who actually returns your call.

True-Value Coverage

Scheduled protection sized to appraisals, not default sub-limits.

Allstate Backed

National claims strength behind every local policy we write.

A Real Neighbor

Discreet, personal advice from a Jacobs family member.

Bundle & Save

Combine home and scheduled valuables for savings on each line.

Round Out Your Coverage

Protection for Everything You Value

Good to Know

High-Value Coverage FAQs

Only up to a point. Most homeowners policies cap categories like jewelry, art, and collectibles at a few thousand dollars total, which is often far below the value of a single ring or painting. Scheduling those items adds dedicated coverage for their appraised value and usually broadens the covered causes of loss too.

Scheduling means listing a specific item on your policy with its own agreed value, usually supported by an appraisal or receipt. It lifts the item above the standard sub-limits and typically covers a wider range of losses, so a piece is protected for what it is actually worth rather than a low default cap.

For higher-value pieces, a current appraisal or documented value is usually the cleanest way to schedule an item and avoid disputes after a loss. We will tell you exactly what documentation each item needs and help you organize it, so the process is straightforward rather than overwhelming.

Yes. Classic and collector cars can be written with agreed-value coverage through our specialty and auto lines, so a total loss pays the value you and the insurer agreed on rather than a depreciated book figure. It is a natural fit alongside your scheduled jewelry, art, and home coverage.