Valuable Items Insurance in Illinois and Wisconsin

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Extra Protection for Your Prized Possessions

Coverage for Jewelry, Art, and Collections

Standard policies set low limits for high value pieces. Maple Leaf Insurance Agency helps clients in Illinois and Wisconsin insure engagement rings, luxury watches, fine art, musical instruments, and family heirlooms. A valuables policy, sometimes called a personal articles floater, can include worldwide coverage and often no deductible. If you have a home in Rochelle or a condo in Madison, we review your homeowners insurance to see what is already covered, then add the right protection for what matters most.

Items We Can Insure

From Heirlooms to High-Tech Gear

  • Jewelry and watches, including engagement rings and vintage timepieces.
  • Fine art and collectibles, from paintings to sports memorabilia and coin collections.
  • Electronics and equipment, such as cameras, lenses, and musical instruments.
  • Firearms collections, if applicable for your situation and carrier guidelines.
  • Policies are designed for scheduled items at agreed value or replacement cost and can travel with you from Rockford to Milwaukee and beyond.
How It Works

Simple Steps to Set the Right Value

List each item with details and receipts when available. For higher values, an appraisal helps lock in an accurate limit. We set coverage on a separate valuables policy or add a rider through a carrier that fits your needs. The Maple Leaf Insurance Agency process is private, practical, and tailored to your budget.

Why Choose Maple Leaf for Valuable Item Coverage

Clear Reviews and Caring Guidance

We start with a policy review to spot gaps. Jewelry theft limits on many home policies can be only a small fraction of what a ring is worth. We compare options across our carriers, explain differences like mysterious disappearance or breakage coverage, and help you pick limits that make sense. If you also carry personal insurance with us, we coordinate everything so renewals stay simple.

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Valuables Insurance FAQs

Answers You Can Count On

  • Is my engagement ring covered by my home policy?

    Often only up to a small limit for theft. Scheduling the ring covers its full value for common risks.

  • Do I need an appraisal?

    For high-value items, yes. We will explain what each carrier requires.

  • Is there a deductible?

    Many valuables policies have no deductible. You can choose one to lower the premium.

  • Can I add the rider to my home policy?

    Yes, in many cases. If not, we can place a separate valuables policy.