What is Valuable Articles Insurance?

valuable articles insurance

If you are a resident in Maine, you know that it is a place of unique charm and history. From antique heirlooms to fine art collections, Maine residents often possess valuable articles that are more than just possessions; they’re pieces of their heritage and passion. Protecting these valuable items is crucial, and that’s where Valuable Articles Insurance for Maine residents comes into play.

In this article, we’ll delve into Valuable Articles Insurance, exploring what it is, what items it covers, how it differs from other insurance, and who can benefit from this type of coverage. Whether you’re a seasoned collector or simply cherish certain valuables, understanding this insurance can provide you with peace of mind.

As a trusted Maine insurance partner, Kasprzak Insurance is here to guide you through the process. Our goal is to keep you informed of your different options, and provide you with insurance coverage that meets your personal or professional needs.

What is Valuable Articles Insurance?

Valuable Articles Insurance, also known as “valuable items insurance” or “personal articles insurance,” is a specialized form of insurance designed to protect high-value possessions that may not be adequately covered by a typical homeowners insurance policy. While homeowners insurance provides coverage for personal property, it often comes with limits and restrictions on high-value items, leaving them vulnerable to loss, damage, or theft.

Valuable Articles Insurance is tailored to address this gap in coverage. It offers broader protection and higher coverage limits for specific valuable items, ensuring that they are safeguarded in cases of unexpected events.

What Types of Items are Considered “Valuable Articles”?

There are many items that can be considered valuable articles, including:

1. Jewelry:

  • Engagement rings
  • Watches
  • Necklaces
  • Bracelets
  • Earrings

2. Fine Art:

  • Paintings
  • Sculptures
  • Antiques
  • Rare collectibles

3. Collectibles:

  • Rare coins
  • Stamps
  • Rare books
  • Vintage wine

4. High-End Electronics:

  • High-definition TVs
  • Home theater systems
  • High-value camera equipment

5. Musical Instruments:

  • Pianos
  • Violins
  • Guitars

How Does Valuable Articles Insurance Differ from Typical Homeowners Insurance?

Now that we’ve established what valuable articles insurance covers let’s discuss how it differs from typical homeowners insurance:

1. Coverage Limits:

Homeowners insurance often has sub-limits on personal property coverage, meaning that there’s a maximum amount it will pay for specific categories like jewelry or art. Valuable Articles Insurance, on the other hand, provides higher coverage limits that align with the appraised value of your valuable items.

2. Specialized Coverage:

Valuable Articles Insurance is tailored to the unique needs of valuable possessions. It offers broader protection, including coverage for accidental damage, disappearance, and even loss in some cases. Typical homeowners insurance may not provide such comprehensive coverage for these items.

3. Itemized Coverage:

With Valuable Articles Insurance, you can itemize and specify each valuable item you want to insure, ensuring that each item receives the appropriate coverage. Homeowners insurance typically groups items under general personal property coverage, which may not adequately protect your valuable possessions.

4. No Deductibles:

Many Valuable Articles Insurance policies do not require deductibles, which means that you won’t have to pay out-of-pocket before receiving coverage. Homeowners insurance often has deductibles that apply to personal property claims.

Who Needs Valuable Articles Insurance?

Now that you understand what Valuable Articles Insurance is and how it differs from typical homeowners insurance, you might be wondering if it’s right for you. This specialized coverage is essential for individuals who:

1. Own High-Value Items:

If you own valuable items such as jewelry, fine art, collectibles, or high-end electronics, Valuable Articles Insurance is crucial to protect your investments.

2. Have Valuable Collections:

Collectors, whether it’s rare coins, stamps, vintage wine, or any other valuable collection, can benefit greatly from this insurance. It ensures that your prized possessions are adequately covered.

3. Value Peace of Mind:

Valuable Articles Insurance offers peace of mind by providing comprehensive protection for your cherished possessions. Knowing that your valuable items are safeguarded can reduce stress and worry.


In conclusion, valuable articles insurance is a specialized form of coverage designed to protect high-value possessions that may not be adequately covered by typical homeowners insurance. It provides higher coverage limits, specialized protection, and peace of mind for those who cherish their valuable items.

If you’re a resident of Maine and want to safeguard your treasured possessions, Kasprzak Insurance is here to assist you. Feel free to contact me today to explore your valuable articles insurance options and enjoy the peace of mind that comes with knowing your valuables are protected in the Pine Tree State.  I can be reached at [email protected] or call me at 207-247-4959 ext. 115.