Specialized Coverage for Your Most Valued Possessions
Valuable Articles Coverage
Many of your most treasured possessions aren't fully protected under a standard home insurance policy. High-value jewellery and watches, artwork, wines and spirits, collectibles, and other valuable items often require additional coverage to ensure they're insured for their true value.
R.K. Mooney Insurance Brokers’ High-Net-Worth Client solution offers specialized Valuable Articles Coverage, helping protect the possessions you've carefully acquired, inherited, or spent years building. We work with leading insurers that understand the unique needs of high-value collections and personal valuables.
Coverage Designed Around Your Valuables
No two collections are alike. Whether you own a single cherished piece or an extensive collection, we'll help tailor coverage to your unique needs.
Coverage can be arranged for:
Jewellery and engagement rings
Luxury watches
Fine art and sculptures
Wine and spirits collections
Antiques
Rare books and manuscripts
Coins and currency collections
Stamps and memorabilia
Sports memorabilia
Musical instruments
Designer handbags and accessories
Collectibles and family heirlooms
Broader Protection for High-Value Items
Standard insurance policies often include limits on certain categories of personal property. Valuable Articles Coverage can provide broader protection and higher limits for eligible items.
Depending on the policy, coverage may include:
Agreed or appraised values for eligible items
Broader protection against accidental loss or damage
Worldwide coverage while travelling
Coverage with little or no deductible on eligible items
Protection for newly acquired valuables (subject to policy terms)
We'll help you determine whether your valuables should be individually scheduled or insured as part of a broader collection.
Wine & Spirits Coverage
Wine and spirits collections can be uniquely vulnerable to risks such as temperature fluctuations, equipment failures, accidental damage, theft, and other unforeseen events. Specialized coverage helps address the unique needs of collectors and provides broader protection than a standard home insurance policy.
Coverage may include:
Protection for valuable wine and spirits collections
Coverage for eligible losses due to spoilage, temperature changes, or equipment breakdown
Protection for collections stored in private cellars, wine rooms, or approved storage facilities
Coverage for newly acquired bottles and additions to your collection
Protection while collections are being transported or temporarily stored
Coverage tailored to the value and nature of your collection
Assistance with documenting and valuing your collection
Let's Protect What Matters Most
No matter what you’re looking to insure, from a newly acquired piece of jewellery to an expanding art collection or your existing coverage, we’re here to help.
Speak with one of our brokers to learn how Valuable Articles Coverage can help protect the possessions that matter most to you.
