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

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?

Alexah Grinnell · Updated on Mar 2, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

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.

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