What kinds of high-value items should be insured individually?

Answered by Home Insurance, Car Insurance Expert Alexah on December 29, 2020

I'm buying a new home insurance policy and I'm not sure if I need extra coverage for my items. Which ones would benefit from individual coverage?

expert avatar

Alexah

Home Insurance, Car Insurance Expert

Thanks for your question! Anything that’s worth $1,500 per piece is considered a high-value item. If it belongs to one of the following groups, you want to insure it individually on your homeowners insurance policy: Electronics, jewelry, bicycles, musical instruments, furs, coins, and crystals.


Home Insurance

Have an insurance question?

Our insurance agents are ready to help you, for free.

Ask your question, it’s 100% free
Recommended
Thousands of customers saved on average $887/year on their car insurance with Jerry
This app is great, but the customer service is even better! Not to mention convenient! My husband and I got the lowest rate (much lower than the rates I was finding online through my own searches), quickly, and pretty much all through text message! Thank you so much for a hassle free experience👍
Gabriella R.
Find savings (100% Free)
stars4.6/5 Rating on App Store