Jewelry & Fine Arts Insurance

Jewelry & Fine Arts Insurance

Your jewelry and fine art pieces are more than just valuable possessions—they are treasured keepsakes, symbols of special moments, and irreplaceable works of art. At O'Grady Insurance, we understand the sentimental and financial value of these items, which is why we offer specialized Jewelry & Fine Arts Insurance. Our policies are designed to provide comprehensive coverage for your most prized possessions, ensuring they are protected against loss, theft, damage, and more. With O'Grady Insurance, you can have peace of mind knowing that your treasures are safeguarded for generations to come.

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What we offer

Comprehensive Coverage for Jewelry

Whether it’s an engagement ring, a family heirloom, or a luxury watch, your jewelry deserves the best protection. Our Jewelry Insurance provides coverage against a wide range of risks, including theft, loss, accidental damage, and mysterious disappearance. We ensure that your valuable items are covered at their full appraised value, so you can have confidence in your coverage.

Specialized Fine Arts Coverage

Fine art requires a level of protection that goes beyond standard insurance. Our Fine Arts Insurance is tailored to cover paintings, sculptures, antiques, and other collectibles against risks such as theft, fire, water damage, and accidental breakage. We work with expert appraisers to ensure that your art is valued accurately and covered appropriately, giving you peace of mind that your collection is protected.

What we offer

Worldwide Protection

Your jewelry and fine art pieces may travel with you, whether you’re attending an event, moving to a new home, or displaying your collection. Our policies offer worldwide protection, ensuring that your valuables are covered no matter where they are. This global coverage is essential for safeguarding your items during travel, transit, or while on loan to galleries or exhibitions.

Agreed Value Coverage

In the event of a covered loss, you want to be confident that your insurance will fully compensate you for the value of your items. Our Jewelry & Fine Arts Insurance policies offer agreed value coverage, which means that the value of your items is agreed upon at the time the policy is written. In the event of a claim, you’ll receive the full insured amount, with no depreciation.

What we offer

Scheduled Coverage

For your most valuable items, we offer scheduled coverage, which provides a detailed list of individual items and their specific coverage amounts. This ensures that each piece of jewelry or artwork is insured to its full value, offering you comprehensive protection and ease of mind.

Additional Benefits

Inflation Protection

The value of jewelry and fine art can appreciate over time. Our policies include inflation protection, which automatically adjusts your coverage limits to reflect current market values. This ensures that your items are always adequately covered, even as their value increases.

Coverage for Newly Acquired Items

If you add a new piece to your collection, our Jewelry & Fine Arts Insurance can automatically extend coverage to newly acquired items. This provides immediate protection for your new treasures, giving you time to have them appraised and added to your policy.

For Jewelry & Fine Arts

Frequently Asked Questions

  • What does Jewelry & Fine Arts Insurance cover?

    Jewelry & Fine Arts Insurance provides coverage for valuable items such as jewelry, paintings, sculptures, and antiques. It covers risks such as theft, loss, accidental damage, and more, ensuring that your valuable possessions are protected.

  • Is my jewelry covered while I’m traveling?

    Yes, our policies include worldwide coverage, which protects your jewelry and fine art pieces no matter where they are. Whether you’re traveling, moving, or loaning items for an exhibition, your valuables are covered.

  • How is the value of my items determined?

    We work with expert appraisers to accurately determine the value of your jewelry and fine art pieces. This value is agreed upon when the policy is written, and in the event of a claim, you’ll receive the full insured amount.

  • Can I insure newly acquired items?

    Yes, our policies can automatically extend coverage to newly acquired items, providing immediate protection. You can then have the new items appraised and added to your policy.

  • What if the value of my collection increases?

    Our policies include inflation protection, which automatically adjusts your coverage limits to reflect current market values. This ensures that your items are always fully covered, even as their value appreciates.
Why Choose O'Grady Insurance for Your Jewelry & Fine Arts?

Expertise in High-Value Items

At O'Grady Insurance, we have extensive experience in insuring high-value items like jewelry and fine art. Our specialized policies are designed to meet the unique needs of collectors, ensuring that your most valuable possessions are fully protected against all potential risks.

Tailored Coverage

We understand that every collection is unique, which is why we offer tailored coverage options to fit your specific needs. Whether you own a single valuable piece or an extensive collection, we work with you to create a policy that provides the right level of protection for your treasures.

Exceptional Claims Service

In the unfortunate event that you need to file a claim, our dedicated claims team is here to assist you every step of the way. We handle claims with care and efficiency, ensuring that you receive the compensation you deserve with minimal disruption to your life.

Trusted by Collectors

With over 45 years of experience, O'Grady Insurance has built a reputation for trust and reliability. Our long-standing relationships with clients and our commitment to excellence ensure that when you choose us, you’re choosing a partner who understands the importance of protecting your legacy.

We have insurance solutions for you

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Customized Auto Insurance Policies

Looking for the perfect auto insurance coverage that fits your unique needs? O'Grady Insurance specializes in providing tailored auto insurance solutions, ensuring you get the best protection for your vehicle without any hassle.

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Comprehensive Homeowners' Insurance

Protecting your home and cherished memories is our priority. Our homeowners' insurance policies are designed to offer comprehensive coverage, giving you peace of mind knowing that your home is safeguarded against unexpected events.

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