From sparkling jewelry to rare collectibles, high-value items often hold both financial and sentimental significance. Unfortunately, standard homeowners or renters insurance policies may not fully protect these prized possessions. If you own valuable assets in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , or Chandler , understanding high-value item coverage is essential to safeguarding your investments.

High-value item coverage, also known as scheduled personal property coverage , provides additional protection for expensive belongings not fully covered under a standard insurance policy. Commonly insured high-value items include:

Jewelry : Engagement rings, luxury watches, and heirloom pieces. Fine Art: Paintings, sculptures, and other collectible artwork. Electronics: High-end cameras, sound systems, and gaming setups. Rare Collectibles: Coins, stamps, and sports memorabilia.

Standard homeowners or renters' insurance policies typically cap the coverage amount for valuables, often providing limited payouts in case of theft , damage, or loss. For example, the theft of an engagement ring may only result in a payout of $1,500 under a standard policy—far below its actual value. High-value item coverage bridges this gap by offering:

Higher Coverage Limits : Protecting the full value of your items. Broader Protection: Covering risks such as accidental loss or mysterious disappearance. Customization: Tailored policies to fit your unique needs.

Appraisal: Obtain a professional appraisal to determine the accurate value of your belongings. Document Items: Keep receipts, photographs, and detailed descriptions of your valuables. Add Coverage: Work with your insurance agent to schedule items individually under your policy or secure a separate policy.

Peace of Mind : Knowing your most precious possessions are protected. Worldwide Protection: Coverage often extends beyond your home, ensuring protection while traveling. Tailored Solutions: Policies designed to address the unique risks associated with specific items.

At Riseson Insurance , we specialize in helping residents of Tempe, Phoenix, Scottsdale, Tucson, Gilbert, and Chandler find the right coverage for their high-value possessions. We work with you to tailor a policy that meets your needs and provides complete peace of mind.

Don’t Leave Your Valuables Unprotected! Reach out to Riseson Insurance in Tempe at 602-460-5470 to explore your high-value item coverage options. Let us help you safeguard what matters most.

What Is High-Value Item Coverage?

Why Standard Policies Fall Short

How to Insure High-Value Items

Benefits of High-Value Item Coverage

Why Choose Riseson Insurance?

• Jewelry : Engagement rings, luxury watches, and heirloom pieces.
• Fine Art: Paintings, sculptures, and other collectible artwork.
• Electronics: High-end cameras, sound systems, and gaming setups.
• Rare Collectibles: Coins, stamps, and sports memorabilia.

1. Higher Coverage Limits : Protecting the full value of your items.
2. Broader Protection: Covering risks such as accidental loss or mysterious disappearance.
3. Customization: Tailored policies to fit your unique needs.

1. Appraisal: Obtain a professional appraisal to determine the accurate value of your belongings.
2. Document Items: Keep receipts, photographs, and detailed descriptions of your valuables.
3. Add Coverage: Work with your insurance agent to schedule items individually under your policy or secure a separate policy.

• Peace of Mind : Knowing your most precious possessions are protected.
• Worldwide Protection: Coverage often extends beyond your home, ensuring protection while traveling.
• Tailored Solutions: Policies designed to address the unique risks associated with specific items.