Valuables refer to items that hold significant monetary, sentimental, or intrinsic worth to an individual or organization. These items are often considered precious or irreplaceable and may include tangible assets such as jewelry, artwork, antiques, collectibles, heirlooms, electronics, and valuable documents, as well as intangible assets such as intellectual property, trade secrets, and proprietary information.
For high-value items like jewelry, antiques, and fine art separately covered on your home policy, providing appraisals or receipts establishes insurance limits. While initial valuations may seem sufficient, it’s essential to periodically update appraisals due to potential shifts in values over time.
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