Coverage for What Can’t Be Easily Replaced.
Your home insurance policy covers personal property—but it has limits. If you own high-value items like engagement rings, collectibles, art, or luxury watches, a valuable possessions policy ensures those assets are properly insured.
Why Standard Coverage Falls Short
Most homeowners policies cap jewelry losses at $1,000–$2,500.
Appraised items need to be scheduled to ensure full coverage.
Replacement cost and market value can differ substantially.
What We Recommend
Itemized Scheduling – Each high-value item is listed with an appraised value.
All-Risk Coverage – Covers accidental loss (e.g., leaving your ring at a hotel) in addition to theft or damage.
Worldwide Protection – Your valuables are covered no matter where you take them.
We’ll help you evaluate what’s worth scheduling, walk you through the appraisal process, and ensure your valuables are fully covered. Our clients throughout El Paso, San Antonio, and the Southern New Mexico communities such as Sunland Park, Anthony, and Las Cruces trust us to protect the items that matter most.
