Most people don't know this until something goes missing or gets damaged. Then they file a claim, and the number their insurance company comes back with is nothing close to what the item was actually worth.
Standard homeowners policies put strict sublimits on high-value personal property. For jewelry, that's typically somewhere between $1,000 and $2,500 total. For fine art, it might be $2,500 — if it's covered at all. Wine collections are often excluded entirely. Antiques get depreciated like used furniture.
For residents of Calabasas and Hidden Hills, where a single piece of jewelry or one painting on the wall can be worth more than most people's entire personal property coverage — those limits are a real problem. We fix that.
What's Actually Different About Specialized Coverage
Agreed value — the most important thing
With a fine art and jewelry policy, you and the carrier agree on the value of each item upfront — before anything ever happens. That number goes into the policy. If there's a total loss, that's what you receive. No depreciation. No back-and-forth with an adjuster. No surprises when you're already dealing with a loss. For items that appreciate over time — which is most of what we're talking about here — this distinction is enormous.
All-risk coverage instead of named perils
Standard homeowners policies cover personal property only for specific listed causes of loss. Fine art and jewelry insurance works the opposite way — your items are covered against virtually anything unless it's specifically excluded.
Worldwide coverage
Your jewelry travels with you. Your art may go on loan. Your wine may be moved. Fine art and jewelry insurance follows your collection wherever it is in the world — not just when it's sitting in your house.
No deductible options
Many of these policies offer zero deductible on scheduled items. You have a loss, you get the full insured value. No out-of-pocket expense on top of the loss itself.
Pair and set coverage
If one earring from a matched pair is lost, or one piece from a set is damaged, a standard policy pays only for the individual item. Fine art and jewelry insurance accounts for the loss in value to the entire set — because one earring without its match isn't worth half of what the pair was worth together.
What All-Risk Means in Practice
Your items are covered against virtually all causes of loss, including:
Mysterious disappearance matters more than people realize. If your ring goes missing and there's no clear explanation — no burglary, no documented incident — most homeowners policies won't pay anything. Specialized jewelry coverage covers mysterious disappearance. It's not a minor detail.
What We Can Insure
The range is broader than most people expect:
Art and collectibles
Paintings and drawings, sculpture, fine art photography, prints and multiples, antique furniture, ceramics and porcelain, tribal and ethnographic art, Asian art, sports and entertainment memorabilia.
Jewelry and watches
Diamond jewelry, colored stone pieces, pearl jewelry, antique and estate jewelry, designer pieces from Cartier, Van Cleef, Bulgari, Tiffany and others, luxury watches including Rolex, Patek Philippe, Audemars Piguet, and custom or one-of-a-kind pieces.
Wine and spirits
Fine wine collections, rare and vintage spirits, complete wine cellar coverage regardless of collection size.
Other collections
Rare books and manuscripts, coins and stamps, vintage musical instruments, sports memorabilia, high-value handbags and fashion including Birkin bags and rare sneakers.
If you own something valuable enough to replace and it's not a vehicle or a building, there's likely a policy that covers it properly.
The Appraisal Question
You can't insure something for its true value if you don't know what that value is. And values change — sometimes significantly over a few years.
Before placing coverage on significant items, we strongly recommend a professional appraisal from a qualified specialist. We can connect you with appraisers in the greater Los Angeles area who specialize in fine art, jewelry and gemstones, antiques, wine collections, and luxury watches.
As a general rule, having items reappraised every three to five years — or whenever you make a meaningful new acquisition — keeps your agreed values current and makes sure you're not underinsured because the market moved while your policy stayed the same.
The Carriers We Work With
As an independent agency we have access to the carriers that actually specialize in this space:
Chubb Masterpiece
One of the most comprehensive fine art and jewelry programs available anywhere. Their private client team understands this market deeply.
AIG Private Client Group
Built specifically for high-net-worth individuals with significant personal property.
PURE Insurance
Member-owned, focused entirely on affluent clients, consistently strong on claims handling.
Berkley One
Comprehensive personal lines coverage designed for the needs of higher-value households.
Jewelers Mutual
Specialists in jewelry coverage with industry-leading protection for fine pieces and luxury watches.
We compare options across these carriers and find what actually fits your collection — not just whatever's easiest to place.
A Note for Hidden Hills and Calabasas Residents Specifically
The collections we see in this community are serious. Museum-quality art. Jewelry that's been accumulated over decades. Wine cellars that represent real investment and real passion. Vintage watches worth more than most cars.
We work with high-value home insurance specialists, estate planning attorneys, and private client advisors throughout the area to build comprehensive personal insurance programs that cover everything — the house, the art, the jewelry, the cars, all of it — properly and in coordination with each other.
If you've never had someone sit down and look at your personal property coverage holistically, that conversation is worth having. The gaps people discover are almost always surprising.
We Serve the Whole West Valley
Let's Take a Look at What You Have
You don't need a full inventory before you call. Just tell us what you own that you'd be devastated to lose — and what your current coverage looks like. We'll figure out the rest from there.