The thought of being burgled or having something stolen from your property is horrible, no matter what the cost of the item is. However, there are some things that are particularly valuable – so to protect against steep losses, it is worth investing in contents insurance for high value items.
If you happen to own or be the beneficiary of expensive goods, you won’t want to see them go missing. So, here are a few of the priceless objects we think you should buy superior home insurance for.
Art
To own an original art is quite prestigious, so it is important to make sure you are protected in case your house is broken into. Whether you are the holder of an authentic piece by someone famous or you own work by lesser-known artists, you will have the only copy and therefore, it is incredibly valuable. This is what makes it appealing to the thief, and also what should encourage you to insure it, so you are at least reimbursed the financial value should you not be able to retrieve it.
With art pieces, while all original creations are valuable, the more established the artist is, the more expensive it will be. Therefore, inform your insurance provider of all the information before you take out a product, so they can give you an accurate quote on how much your belongings are worth.
Wine and collectibles
If you’re a wine enthusiast, you’re bound to have special bottles hidden away in your kitchen or (if you’re lucky enough to have one) in your wine cellar. You may have bought wine that you’ve kept for years, or friends and family might have given you special vintage bottles to open one day in the future. Therefore, if one or more of these were to be taken, you’ll be devastated – and out of quite a bit of money.
By including your wine collection in your home insurance, you will at least be given the monetary value of the tipples. You may not be able to retrieve the bottles you’ve spent years sourcing, but you will, at least, be able to start your collection again.
The same goes for other important collectibles. Whatever you have been finding over the years, whether it’s stamps or furniture, you can secure the value of the items by protecting them in your insurance policy.
Jewellery
This is one of the most important things you should cover, mainly as it is among the most obvious item for a burglar to take from your home. While electronic equipment may be equally or more valuable, large appliances are hard to steal, as they are difficult to conceal when leaving the home. However, no one will blink an eye if a thief has necklaces or rings in their pockets, as they simply won’t notice.
Therefore, this should be high on the list of expensive things you insure. Whether or not you own very costly items of jewellery, you will find that when the pieces are together, they add up to a substantial amount – a sum that you would like to receive from your insurer if your entire collection was stolen.
What’s more, often jewellery has sentimental value, so while having the monetary equivalent won’t mean the same, you will still be able to buy a similar-looking piece as a replacement for your loss.
These are among the most important high-value belongings to put on your insurance policy, but don’t forget others, including antiques, electronic equipment and outdoor items, as all of these will be worth a significant amount of money that you will want to receive back from your provider should they be taken from your home.
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