Protecting Your Prized Possessions: Home Insurance for Valuables
Protect your heirlooms—learn all about Home insurance for valuables, coverage gaps, and smarter options for peace of mind.
Protect your heirlooms—learn all about Home insurance for valuables, coverage gaps, and smarter options for peace of mind.
When it comes to your most treasured possessions, standard insurance often falls short. Home insurance for valuables typically offers only basic protection, leaving many homeowners unknowingly vulnerable. That beautiful engagement ring passed down from your grandmother? Your growing collection of vintage watches? Under a standard policy, they might only be covered for a fraction of their true worth.
Most folks are surprised to learn that standard policies cap jewelry coverage at just $1,500 and silverware at $2,500. These limits haven't kept pace with today's values – a modest diamond ring can easily exceed $5,000, leaving a significant gap in your protection.
Since 1984, we've seen countless Ohio families find these coverage gaps only after a loss. That's why understanding your options is so crucial:
Scheduled personal property provides itemized coverage for specific valuables with agreed-upon values. Blanket coverage endorsements raise the limits for entire categories of items. Personal articles floaters offer separate, specialized policies for your most precious possessions. Each approach typically costs between 1-2% of the item's value annually – a small price for true peace of mind.
I'm Brandon Stanley, and our team at Stanley Insurance Group takes a different approach than the big insurance companies. Our independent agents build lasting relationships with clients, taking the time to understand what matters most to you. We're proud to offer concierge-level service, including Spanish-speaking specialists like Ana and Sandra who ensure nothing gets lost in translation when protecting your valuables.
Looking to maximize your protection? Consider these related resources:
Have you ever wondered if your grandmother's pearl necklace or your partner's engagement ring is truly protected? The gap between what people think is covered and what's actually covered can be thousands of dollars wide. This guide aims to close that gap.
When clients come to us, they're often searching for answers – not just about policies, but about protecting memories and legacies. That diamond ring isn't just a piece of jewelry; it's the moment he proposed. That antique watch isn't just timepiece; it's your father's graduation gift.
Since '84, we've been helping Ohio families sleep better at night knowing their valuables have the protection they deserve. Our approach is simple: we listen, we explain, and we customize. As David Colmans of the Georgia Insurance Information Service wisely notes, "Make sure you understand what's covered and what the limits are." We couldn't agree more.
You might be wondering if improved valuables coverage is right for you. Through our decades of experience, we've found several situations where specialized protection becomes particularly important:
Newly engaged or married couples often don't realize that stunning diamond on her finger likely exceeds standard policy limits. Art collectors or investors need protection that grows with their collection's value. Jewelry enthusiasts frequently cross the standard policy threshold without realizing it.
Antique collectors need coverage that recognizes both monetary and sentimental value. Musicians with quality instruments require protection that travels with them. Technology enthusiasts, gun collectors, and wine connoisseurs all face similar challenges with standard coverage.
As one client told us after properly insuring her grandmother's jewelry collection: "These pieces connect me to my past. Knowing they're properly protected connects me to my future." That's the peace of mind we've been delivering to Ohio families since 1984 – one policy, one relationship at a time.
The harsh truth about standard homeowners insurance is that it simply wasn't built with your treasured possessions in mind. Since '84, we've seen countless Ohio families find this gap—often after a loss when it's too late.
Standard homeowners policies place strict limits on valuable items categories, creating significant protection gaps:
| Category | Typical Standard Limit | Real-World Example |
|---|---|---|
| Jewelry & Watches | $1,500 | Engagement ring: $5,000-$15,000+ |
| Silverware | $2,500 | Family silver set: $5,000-$10,000 |
| Firearms | $2,500 | Collector firearms: $3,000-$25,000+ |
| Electronics | $1,500-$2,500 | Professional camera equipment: $5,000+ |
| Fine Art | $2,000 | Original artwork: $3,000-$50,000+ |
| Collectibles | $1,000-$2,000 | Rare coin collection: $10,000+ |
These limits apply regardless of what your possessions are actually worth. I remember Sarah, a client who finded after a break-in that her $8,000 engagement ring was only covered for the policy's $1,500 jewelry limit. That $6,500 gap came straight out of her pocket—a painful lesson we hate to see families learn the hard way.
Beyond these dollar limits, standard policies only cover specific "named perils" like fire and theft, leaving many common causes of valuable losses completely unprotected.
Jewelry feels the biggest pinch with that strict $1,500 total limit. That beautiful engagement ring, the watches passed down through generations, the necklace from your anniversary—all might share that same inadequate protection pool despite representing some of your most valuable possessions.
Fine Art often receives minimal coverage, despite not only having significant initial value but also the potential to appreciate substantially over time. That original painting you fell in love with deserves better protection.
Firearms collections can quickly exceed standard $2,500 limits, especially if you have antique or collectible pieces. One client's grandfather's WWII service pistol alone was appraised at $4,200—well beyond standard coverage.
Electronics like professional camera equipment, high-end computers, and home theater systems often fall into coverage gaps. As Ethan, one of our associate agents, explains to photography enthusiasts: "Your $7,000 camera setup deserves the same protection as any other valuable investment."
Wine Collections surprise many homeowners when they find their carefully curated cellars have virtually no coverage under standard policies. Those special bottles aging for your daughter's wedding deserve proper protection.
Home insurance for valuables should reflect what these items truly mean to you—both financially and emotionally. At Stanley Insurance Group, Ana and Sandra, our bilingual account specialists, take the time to understand the full story behind your precious items.
Even if your valuables fall under standard coverage limits, many common causes of loss aren't covered at all. The policy fine print typically excludes:
Mysterious disappearance leaves you unprotected if you simply lose your ring or can't explain how it vanished. As Chase, one of our agents, often tells clients: "If you can't prove it was stolen, a standard policy likely won't help."
Accidental damage isn't covered when you drop your ring down the drain or accidentally break a valuable item. These everyday accidents represent some of the most common claims we see.
Flood damage is never covered by standard homeowners policies—this requires separate flood insurance, something many Ohio homeowners overlook until it's too late.
Wear and tear happens to everything eventually, but no policy covers normal deterioration over time. This is especially important for antique items or regularly worn jewelry.
Intentional damage is excluded from all policies. This protection gap occasionally becomes relevant in relationship disputes or family conflicts.
As the American Numismatic Association warns coin collectors, "Unfortunately, many homeowners' policies provide very little coverage for coins." This applies equally to many collectibles and specialty items that require specific endorsements or policies.
Our concierge approach at Stanley Insurance Group means we take the time to identify these gaps before a loss occurs. Since 1984, we've built lasting relationships by protecting what matters most to Ohio families—including the treasures standard policies often overlook.
Most folks don't realize how vulnerable their treasured possessions are until it's too late. I've seen too many sad faces in our office when clients find their grandmother's pearls or wedding rings weren't adequately covered after a loss. Let's make sure that doesn't happen to you.
Start by taking a good look at what you own. Here at Stanley Insurance Group, we've been helping Ohio families protect their valuables since '84, and we always recommend these five simple steps:
Create a home inventory by walking through your home and listing valuable items by category. Take your time with this—open those jewelry boxes and check the closets.
Estimate current values for each item. That bracelet from 10 years ago? It might be worth twice what you paid. When in doubt, professional appraisals are worth every penny.
Review your policy limits with a critical eye. Most standard policies have surprisingly low limits that haven't kept pace with today's values.
Apply the $2,500 rule as a general guideline. If an item is worth more than this amount, it probably needs special coverage. This is where our concierge-level service really shines—we'll help you identify these gaps.
Consider appreciation factors for items like fine art, gold jewelry, or collectibles that tend to increase in value over time.
"I was shocked to find my grandmother's antique jewelry collection was worth over $20,000, but my homeowners policy would only cover $1,500 if it was stolen," shared one of our clients after completing this process.
Technology makes inventory management easier than ever. Several good home inventory apps let you catalog items, attach photos, and track values all in one place. We recommend updating your inventory annually and storing digital copies in the cloud—something our team is happy to help with, in English or Spanish.
For home insurance for valuables, proper appraisals are absolutely essential. Without them, you're essentially guessing at values—and that's a gamble no one should take.
Finding the right appraiser matters. Look for certified professionals with credentials specific to your items. For jewelry, seek appraisers with GIA certification. Art collectors should find appraisers affiliated with recognized organizations like the American Society of Appraisers. For specialty items like firearms or musical instruments, seek experts in those specific fields.
Appraisal costs typically range from $50-$300 per item, depending on the type, complexity, and value. Higher-value items (over $50,000) may cost more to appraise, but the peace of mind is worth every penny. When you consider that proper documentation could mean the difference between full replacement and significant out-of-pocket costs, it's a small investment.
Remember to update your appraisals every 3-5 years. Markets change, values fluctuate, and that gold bracelet you bought in 2010 might be worth substantially more today. As our team has reminded clients since 1984, "Today's values, not yesterday's prices, determine your coverage needs."
The moment of loss is not the time to realize your documentation is inadequate. Our team at Stanley has helped countless families through difficult claims, and proper documentation makes all the difference.
Essential documentation for your valuable items should include recent professional appraisals, clear photographs from multiple angles, and close-up images of any distinguishing features. Keep original purchase receipts, certificates of authenticity for art or collectibles, and grading certificates for items like coins or gems.
Don't forget to record serial numbers, unique identifiers, and any repair or restoration records. These details can be crucial during the claims process.
Here's a pro tip from our 39 years of experience: Store this documentation in multiple locations. Keep physical copies in a fireproof safe and digital copies in secure cloud storage. Our clients who follow this advice have a much smoother experience when filing claims.
One of our Spanish-speaking specialists, Ana, often reminds clients, "The best time to document your valuables is today, not after something happens." We couldn't agree more. Our team, including associates like Kaisen, Ethan, and Chase, are always ready to help you through this process with that personal touch only an independent agency can provide.
When standard homeowners insurance falls short of protecting your treasures, several specialized options can bridge the gap. Let's explore how to properly safeguard what matters most to you.
This is the gold standard for protecting high-value individual items. Think of scheduled coverage as creating a VIP list for your most precious possessions.
With scheduled coverage, each valuable gets individual attention – your grandmother's diamond ring, that vintage watch, or the painting you invested in. Each item is listed separately with its specific value on your policy.
The benefits are substantial: coverage is typically "all-risk" rather than limited to named perils, often with no deductible, and protection that follows your items worldwide. Even mysterious disappearance (like losing a ring while swimming) and accidental damage are usually covered – situations standard policies specifically exclude.
As NerdWallet notes, "It's the key to ensuring your valuables are fully insured." When Amy from our commercial lines department helps clients schedule items, she often says, "Think of it as giving your most valuable possessions their own personal insurance policy."
Not ready to itemize each piece? Blanket coverage raises the overall limits for entire categories without the detailed documentation scheduled coverage requires.
This option works beautifully for collections where no single piece exceeds $10,000, but together, they represent significant value. You'll enjoy higher category limits (say $25,000 for all jewelry instead of the standard $1,500) and higher per-item limits (typically up to $10,000).
The process is simpler, requiring less detailed documentation than scheduling each item. While you might still have a deductible (unlike with scheduled coverage), you gain flexibility – new purchases are automatically covered up to your limits without immediately calling your agent.
Similar to scheduled coverage but provided as a standalone policy, a personal articles floater creates complete separation from your homeowners insurance. This means claims for your valuables won't affect your homeowners policy rates.
With comprehensive "all-risk" coverage, typically no deductible, and worldwide protection, floaters offer peace of mind for your most precious items. Since 1984, we've helped countless clients determine when this option makes the most sense for their unique situation.
For certain collections or extremely high-value items, specialized carriers offer custom coverage that mainstream insurers can't match.
These specialty policies are designed with deep understanding of specific valuables – whether fine art, coin collections, or musical instruments. They often include benefits like market value appreciation protection and coverage during transit or exhibition.
What Is Scheduled Personal Property Coverage?More info about endorsements
Choosing between scheduled and blanket coverage depends on your specific situation. Here's a comparison to help you decide:
| Feature | Scheduled Coverage | Blanket Coverage |
|---|---|---|
| Best for | High-value individual items | Multiple items of moderate value |
| Coverage limit | Full appraised value of each item | Category limit with per-item maximum |
| Documentation | Requires appraisal for each item | Less documentation required |
| Deductible | Often zero deductible | Standard policy deductible may apply |
| Claims process | Streamlined with pre-established values | May require more documentation |
| Cost | Typically higher premium | Usually more affordable |
| Flexibility | Must add each new item | Automatically covers new purchases up to limits |
One of our clients, a jewelry collector in Hilliard, explained her decision perfectly: "I initially chose blanket coverage with a $30,000 total limit. When I inherited my grandmother's $15,000 diamond ring, Kaisen helped me switch to scheduled coverage to fully protect it."
Home insurance for valuables decisions don't have to be overwhelming. Our team takes the time to understand what matters most to you, explaining options in plain language – in English or Spanish, thanks to our bilingual agents Ana and Sandra.
Some collections deserve truly specialized attention that only dedicated policies can provide:
Fine Art Insurance offers protection custom to the unique risks artwork faces – coverage during transit and exhibition, restoration beyond simple replacement, and market value appreciation protection.
Collectibles Insurance provides specialized coverage for coin collections, stamps, sports memorabilia and more. As the American Numismatic Association notes, members can access "competitively priced insurance plans designed specifically for coin collecting" when standard policies fall short.
Musical Instrument Insurance protects musicians with coverage during performances and travel, protection for borrowed instruments, and coverage against damage during use – essential for anyone with valuable instruments.
Since 1984, we've helped Ohio families match the right coverage to their unique collections. Our concierge approach means you'll work with the same agent who takes time to understand not just what your valuables are worth, but what they mean to you.
When it comes to protecting your treasures, understanding the financial side of valuables insurance helps you make smart choices without breaking the bank. Let's talk real numbers.
Most valuables coverage costs between 1-2% of your item's value each year. Think of it this way: for every $1,000 of coverage, you'll pay about $20 annually. So that beautiful $10,000 jewelry collection? Expect to pay between $100-$200 per year to keep it properly protected. Fine art typically costs less to insure—often just 0.5-1% of its value—since it's less likely to be stolen than jewelry.
Deductible decisions matter too. One of the biggest perks of scheduled personal property is that many insurers offer zero-deductible options. This means if your engagement ring is damaged or lost, you won't pay anything out-of-pocket before your coverage kicks in. With blanket coverage, you'll typically share some of the risk through your standard homeowners deductible.
"The peace of mind from knowing my grandmother's pearls are fully covered with no deductible is worth every penny of the premium," shared Maria, one of our clients since 2010. "When I accidentally damaged them last year, I was relieved there wasn't a deductible eating into my claim."
Another bonus? Claims on properly scheduled items typically don't count against your homeowners insurance history. This means your main policy premium stays stable even if you need to replace that lost watch or damaged painting. Many of our clients at Stanley Insurance Group are pleasantly surprised to learn this when we walk them through their options.
When it comes to settlement methods, most scheduled coverage provides replacement cost—meaning you'll get enough to replace the item with one of like kind and quality, regardless of depreciation. Some policies offer agreed value settlements (a predetermined amount you'll receive regardless of market changes) or market value (which accounts for appreciation or depreciation).
As one client finded, "Paying an extra $85 annually to schedule my $7,500 engagement ring was worth every penny when it slipped off while swimming. With zero deductible and replacement cost coverage, I had an identical ring within weeks."
When disaster strikes, knowing how to steer the claims process for home insurance for valuables can save you time, money, and heartache.
First, report your loss promptly—most policies require notification within 24-72 hours. For theft or vandalism, you'll need to file a police report right away, as insurers typically require this documentation.
Next comes providing proof. This is where that careful documentation we discussed earlier becomes crucial. Submit your inventory list, appraisals, receipts, and photographs to support your claim. Since 1984, we've helped countless Ohio families through this process, and believe me—good documentation makes all the difference.
The insurance company will assign an adjuster who reviews your documentation or inspects damaged items. For scheduled items, you'll typically have several options: replace the exact item through a preferred jeweler, receive a cash settlement for the agreed value, or have damaged items repaired.
Claims for scheduled items generally move faster than standard homeowners claims—often resolving within 2-3 weeks rather than months. Our bilingual team, including Ana and Sandra, can guide you through this process in English or Spanish, ensuring nothing gets lost in translation when you need help most.
One client shared: "When my scheduled ring was damaged, the claims process was surprisingly simple. I submitted photos of the damage and the original appraisal, and within a week, I was authorized to have it repaired at my preferred jeweler."
Protecting your valuables doesn't have to break the bank. Here are smart ways to keep your coverage affordable:
Bundle your policies with the same insurer. When you combine valuables coverage with your home and auto insurance, you'll often trigger multi-policy discounts of 5-15%. As an independent agency, we can shop multiple carriers to find the best bundling options for your situation.
Boost your security measures. Installing a home security system, storing items in a proper safe, or using safety deposit boxes can reduce your premiums by 5-20%. Insurers love when you take steps to prevent theft or damage.
Consider a deductible for blanket coverage. While scheduled items often come with no deductible, accepting a reasonable deductible on blanket coverage can significantly lower your premium.
Get accurate appraisals. Over-insuring items wastes money, while under-insuring leaves you vulnerable. Updated appraisals ensure you're paying the right amount for protection.
Seasonal storage can save money too. Some insurers offer discounts for items stored in bank vaults part of the year—perfect for seasonal jewelry or collectibles you don't use year-round.
Review annually with your agent. At Stanley Insurance Group, our concierge-level service includes helping clients review their valuables coverage each year to ensure they're not paying for items they no longer own. This relationship-based approach has been our hallmark since 1984.
As David Colmans wisely advises, "Make sure you understand what's covered and what the limits are." With this understanding, you can make cost-effective choices about which treasures truly need additional protection.
Ways to Save Money on Homeowners Insurance
Life changes, and so should your insurance. When it comes to home insurance for valuables, what protected you perfectly last year might leave significant gaps today. That beautiful engagement ring that was appraised at $5,000 five years ago? It could be worth $7,500 now with rising gold prices.
At Stanley Insurance Group, we've been helping Ohio families maintain appropriate coverage since 1984. Our relationship-based service isn't about selling you a policy and disappearing – it's about building a lasting connection where we check in regularly to ensure your protection evolves with your life.
You should review your valuables coverage during your annual policy review, but also after significant life events like marriages or inheritances, when acquiring new valuable items, or following market changes that might affect your collectibles. When you sell or gift valuable items, that's another perfect time to update your policy.
For our Spanish-speaking neighbors, our bilingual agents Ana and Sandra provide comprehensive support during these reviews. As Ana often says, "El idioma nunca debe ser una barrera para la protección adecuada" – language should never be a barrier to proper protection.
One of our long-time clients, Margaret, recently told me, "That annual review process you insisted on made all the difference when gold prices spiked last year. My jewelry collection had appreciated by nearly 30%, and we adjusted my coverage before anything happened. I can't imagine if I'd had a loss with outdated coverage!"
Think of your valuables coverage as a living document that grows and changes with your collection. Here's how to keep it current:
If you have scheduled items (individually listed pieces), be proactive about adding new acquisitions with proper documentation. When you sell or gift items, remove them from your schedule to avoid paying unnecessary premiums. Most importantly, update appraisals every 3-5 years – sooner if market values have changed significantly.
For blanket coverage protecting categories of items, review your category limits annually. That $25,000 blanket jewelry limit might have seemed generous when you set it up, but after a few anniversaries and birthdays, your collection could easily exceed it. Also ensure your per-item limits still cover your most valuable pieces – if that new watch exceeds your per-item limit, it's time to schedule it individually.
The good news? Most insurers allow mid-term endorsements to add coverage for new purchases. Many policies even include automatic coverage for new acquisitions for 30-90 days, giving you breathing room to formally add them. Our team at Stanley Insurance Group can help you steer these updates without waiting for renewal time.
Sometimes values don't just creep up – they surge dramatically. Since 1984, we've seen numerous market shifts that caught collectors by surprise:
Precious metal price spikes can transform your gold jewelry collection overnight. When gold jumped from $1,200 to $2,000 per ounce, many clients found their jewelry suddenly underinsured by 40% or more.
Artist recognition can skyrocket artwork values. A client who purchased a painting from a local Columbus artist for $3,000 was shocked when that artist gained national recognition and similar works began selling for $15,000.
Market trends can create sudden interest in collectibles. Remember when vintage video games suddenly became investment-grade collectibles? One client's modest Nintendo collection tripled in value within months.
Media influence frequently drives market interest. After a popular TV show featured vintage bourbon, collectors saw values climb dramatically – great news unless you're underinsured.
Supply chain disruptions can increase replacement costs when manufacturing or materials become scarce, as many finded during recent global challenges.
As Chase, one of our associate agents, likes to remind clients: "The time to find you're underinsured is never after a loss." When these market shifts occur, a quick policy review can save tremendous heartache later.
The concierge touch of working with an independent agency like ours means you're never alone in navigating these changes. Our team provides the personalized guidance that makes all the difference – whether that's Kaisen helping you document a new collection, Ethan reviewing your coverage limits after a market shift, or Amy ensuring your business valuables receive the same careful attention as your personal items.
When it comes to protecting your treasures, documentation is your best friend. Most insurance companies want to see several key pieces of evidence before they'll provide coverage for valuable items.
A recent professional appraisal tops the list – ideally one completed within the last 3-5 years. This establishes a clear, professional assessment of your item's worth. Alongside this, clear photographs showing your items from multiple angles provide visual proof of condition and distinguishing features.
If you still have it, the original receipt or proof of purchase helps establish ownership history. For certain items like electronics or firearms, serial numbers are essential for identification. And for collectibles or artwork, certificates of authenticity verify that your item is the real deal.
One of our clients, a grandmother with a cherished jewelry collection, told us something that stuck with me: "The detailed photos I took of each piece ended up being almost as important as the formal appraisal when my emerald pendant was stolen. The insurance company processed my claim so much faster because I had those images ready."
For newly purchased valuables, your receipt is usually sufficient documentation – as long as the purchase was recent. However, for particularly valuable items (typically those over $50,000), most insurers will require a formal appraisal from a certified specialist in that specific field.
The standard recommendation is every 3-5 years, but this timeline isn't one-size-fits-all. Several factors might prompt you to reappraise sooner:
Market volatility affects certain categories more than others. Items containing precious metals or gemstones often need more frequent appraisals because their values can fluctuate dramatically with market conditions. Similarly, fine art and certain collectibles can experience rapid value changes based on artist popularity or collector interest.
Significant economic changes in the broader economy can impact replacement costs across many categories. Physical changes to the item itself, such as restoration work or repairs, can either increase or decrease value. And major life events like divorce or estate planning often necessitate fresh appraisals.
I remember a client who collected rare coins telling me, "My collection nearly doubled in value over just three years. Without that updated appraisal, I would have been significantly underinsured when a pipe burst and damaged my display case."
At Stanley Insurance Group, we've been helping Ohio families stay properly protected since '84, and we often remind clients that the items that appreciate most quickly are often the ones we think about least.
This is one of the most common questions we hear, and the answer depends on how you've structured your coverage.
If you've opted for scheduled personal property coverage or separate floaters, there's good news – claims typically do NOT affect your homeowners insurance premium or claims history. This separation is actually one of the major benefits of choosing scheduled coverage over blanket endorsements.
On the other hand, if you've selected blanket endorsements that are directly attached to your homeowners policy, claims may indeed be considered part of your overall claims history and could potentially affect future premiums.
Before filing any claim, we sit down with our clients to help them understand these distinctions. As one relieved client told us after her scheduled diamond ring was stolen, "I was so worried about my rates going up, but my agent explained that because we had scheduled the ring separately, the claim wouldn't impact my homeowners premium at renewal."
Our bilingual agents Ana and Sandra have helped many Spanish-speaking families in our community steer these complex questions with the same concierge-level service all our clients have come to expect since 1984. We believe insurance should provide peace of mind, not additional stress – especially when you're already dealing with the loss of something precious.
Protecting your most cherished possessions goes far beyond the basic coverage of standard homeowners insurance. As we've explored throughout this guide, those standard policies typically limit jewelry coverage to just $1,500 and silverware to $2,500—amounts that rarely reflect the true value of your treasured items.
Taking proper steps to protect your valuables isn't complicated, but it does require attention to detail:
First, document what you own through a thorough inventory. Next, get professional appraisals for those special pieces—the engagement ring that symbolizes your commitment, the art that brightens your walls, or the heirloom watch passed down through generations. Capture clear photographs and organize your receipts and certificates. Then, select the coverage option that fits your unique situation, whether that's scheduling individual items, adding a blanket endorsement, or securing specialty coverage. Finally, make reviewing your coverage a regular habit as values change and your collection evolves.
Home insurance for valuables shouldn't be a "set and forget" decision. Markets change, precious metals fluctuate in value, and your collection likely grows over time. What was adequately covered last year might leave significant gaps today.
Since 1984, we at Stanley Insurance Group have been guiding Ohio families through these important protection decisions. Our approach has always been relationship-focused—we're not just selling policies; we're building partnerships that last. Many clients who first came to us decades ago still work with the same agent who has watched their collections and families grow through the years.
Our independent agency status means we can shop multiple carriers to find the perfect coverage for your specific needs. We take pride in offering that concierge-level service that's increasingly rare in today's insurance landscape—the kind of personalized attention where we remember your name, your collection, and your coverage needs.
For our Spanish-speaking neighbors, Ana and Sandra provide comprehensive assistance, ensuring language is never a barrier to securing proper protection for your valuables. Whether you're in Columbus, Hilliard, Dublin, or anywhere across Ohio, our team stands ready to help.
Don't wait for a loss to find your coverage gaps. The peace of mind that comes from knowing your most precious possessions are properly protected is invaluable. Reach out today for a thorough review of your home insurance for valuables needs.
