Valuable Articles & Jewelry

Whether your collection started with a deliberate plan or simply because an object caught your eye, you know that managing and caring for your treasured items means more than just deciding where to put them.

Many decisions impact your collection. Perhaps you want to move some objects to another home, place part of your lot into storage to make room for new additions or learn how to safely display your piece. Or maybe you are simply interested in learning more about your collection.

Nicholas / Tobin Insurance understands the passion and challenges that come with protecting art, antiques, jewelry, and other collectibles. Whatever the collection – from photographs, decorative arts and wine to fine arts or memorabilia – we can assist you in exploring what coverage is right for you.

Coverage Highlights

If Valuable Articles coverage is purchased, there is no deductible in the event of a loss. In addition, clients receive the following coverage benefits:
  • Mysterious Disappearance: You are covered for Lost, Misplaced, or Stolen items.
  • Cash Option: Replacement Not Required. You are not required to replace your itemized valuables in the event of a covered loss. You can choose a cash settlement, or you can replace your valuables at the dealer of your choice.
  • Physical Damage: A Valuable Articles policy even covers your item if it breaks or gets damaged. Your Homeowners policy provides no coverage for breakage.


A homeowners policy does provide very limited coverage for valuables, such as jewelry. Items are not typically covered if they get lost, misplaced or break. And unlike a Valuable Articles policy, coverage under the Homeowners portion is subject to the policy deductible.

Call Nicholas / Tobin Insurance for your Jewelry Insurance and Fine Art Insurance needs:

Nicholas / Tobin Insurance is an independent insurance agency serving the homeowners, auto and business insurance needs of Connecticut and New York residents.

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