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Liability, collision and comprehensive cover for the cars on your driveway.
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Valuables & Wedding
Scheduled cover for jewellery, art, instruments and the day itself.
What this cover does
Standard homeowners policies cap jewellery, watches and collectables at a few thousand dollars for theft, whatever the item is worth. Scheduling an item lifts it out of that sub-limit, usually removes the deductible, and adds perils a standard form excludes — notably mysterious disappearance.
Typically included
- Scheduled jewellery, watches, art, antiques and instruments
- Worldwide cover, on and off the premises
- Mysterious disappearance and accidental loss
- Agreed-value settlement on appraised items
- Wedding and event cancellation or postponement
- Event liability and vendor no-show
Common add-ons
- Newly acquired item cover between appraisals
- Inflation-linked value adjustment
- Cover for collections in transit or on loan
- Extreme-weather postponement for outdoor events
Questions
What people ask about valuables
Why schedule an item?
The unscheduled theft sub-limit on most homeowners policies is low and applies to the whole category, not per item. A scheduled item is covered to its appraised value, usually with no deductible and against loss as well as theft.
How recent must an appraisal be?
Most carriers want one within the last three to five years. For fast-moving categories such as gold and coloured stones, more recent is better.
Often taken together
Related cover
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
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Quote Valuables & Wedding
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.