Collectibles span a broad spectrum of items cherished for their significance and personal value. From intricately crafted ceramics to historically rich rare coins, culturally diverse stamps, emotionally stirring artwork, story-laden antiques, and nostalgia-inducing trading cards, each piece in your collection mirrors your passions and fascinations.
In addition to their sentimental worth, collectibles often appreciate in monetary value over time. Thus, safeguarding these prized possessions becomes paramount to safeguard your investment and ensure peace of mind.
Whether you're a seasoned collector with years of expertise or a newcomer venturing into the realm of collectibles, our Personal Jewelery and Article Floater Insurance is meticulously designed to cater to your distinct requirements.
Personal Jewelry and Article Floater Insurance is a specialized insurance policy designed to provide comprehensive coverage for your most treasured possessions. While standard homeowners or renters insurance may offer some protection for personal belongings, they often have limitations when it comes to high-value items.
Our policy extends coverage beyond what is typically provided by standard homeowners or renters insurance, ensuring your valuable collectibles are adequately protected.
Enjoy peace of mind knowing that your valuable items are safeguarded against a wide range of risks, including theft, loss, damage, and mysterious disappearance.
With many of our policies, there are no deductibles, allowing you to quickly recover the full value of your items in the event of a claim.
You have the flexibility to have your items appraised, ensuring they are insured according to their exact value.
Our insurance extends protection to your items worldwide, so you can enjoy your collection wherever you go without worry.
At Jewelery Store Insurance, we understand the importance of protecting your cherished collectibles. With our Personal Jewelry and Article Floater Insurance, you can rest assured knowing that your most precious possessions are in safe hands. Contact us today to learn more about how we can tailor a policy to meet your specific needs.
We can insure a wide range of collectibles including coins, stamps, artwork, antiques, ceramics, sports cards, trading cards, and vintage memorabilia. Whether your collection holds primarily sentimental or significant financial value, our specialist underwriting team at Jewelery Store Insurance can build a policy that fits.
Most standard Canadian home insurance policies provide very limited coverage for collectibles often $1,000–$2,000 in total, and rarely reflect true current market value. A dedicated collectables insurance policy from Jewelery Store Insurance covers the full appraised or agreed value and includes risks that home policies exclude, such as accidental breakage and mysterious disappearance.
In most cases, yes. A documented appraisal or proof of value, such as a recent auction result or dealer certificate, is required to establish your insured amount accurately.
Premiums vary based on the total appraised value, the type of collectables, how they are stored, and your location in Canada. Generally, expect an annual rate of 0.5% – 2% of insured value. Contact Jewelery Store Insurance at info@jewelerystoreinsurance.ca or call (647) 480-1515 to receive a tailored quote.
For rare or one of a kind collectables, we recommend obtaining a valuation from a trusted specialist appraiser. The valuation can then be submitted as part of the underwriting process to help establish an appropriate insured value for the item.
Collectables should be stored in a suitable climate-controlled environment to help prevent damage caused by unsuitable storage conditions. Items should not be stored in damp locations and, unless held within locked safes or cabinets, should be kept on rails, shelves, or stillages at least 15 cm above floor level. Additional storage requirements may apply depending on the nature of the collection and the policy terms.
It is your responsibility to notify us if the value of your collection changes. Keeping valuations up to date helps ensure your collection is insured for an appropriate value and reduces the risk of underinsurance in the event of a claim.
