Secure Your Valuables with High-Value Item Insurance: Term Brokers Insurance Services

High Value Item Insurance

Comprehensive Coverage for Your Priceless Possessions in Florida.

At Term Brokers Insurance Services, we understand the significance of safeguarding your high-value items. Whether it’s a family heirloom, a valuable artwork, or a collection of rare artifacts, these possessions hold both sentimental and financial worth. We recognize the importance of protecting these valuable assets from theft, damage, or loss. That’s where our expertise in high-value item insurance comes in. As a trusted insurance provider in Florida, we specialize in offering comprehensive coverage designed to meet your prized possessions’ unique needs. With our tailored insurance policies, competitive rates, and responsive claims-handling process, we provide you with the peace of mind you deserve. With Term Brokers Insurance Services, your high-value items are in safe hands.

Coverage of High-Value Item Insurance Options Offered by Term Brokers Insurance

Comprehensive Coverage

This coverage protects your high-value items against various risks, including theft, damage, loss, and natural disasters. Comprehensive coverage typically includes replacement cost coverage, which means you will be reimbursed for the total cost if your item is lost or damaged beyond repair.

Scheduled Coverage

This option is ideal for items with an exceptionally high value, such as jewelry, art, or antiques. With scheduled coverage, you can insure specific things for their appraised value, ensuring that you receive adequate compensation for loss or damage.

Inflation Protection

We understand that the value of your high-value items may increase over time, which is why we offer inflation protection coverage. This ensures that your coverage limit is adjusted annually to remain pace with inflation and the rising value of your possessions.

Worldwide Coverage

If you frequently travel with your high-value items, consider worldwide coverage. This option protects your possessions no matter where you are, giving you peace of mind while traveling.

Who Needs High-Value Item Insurance?

High-value item insurance is essential for individuals with significant financial or sentimental value possessions. Some examples of people who may benefit from high-value item insurance include:

  • Jewelry Owners
  • Art Collectors
  • Antique Collectors
  • Coin and Stamp Collectors
  • Wine Connoisseurs
  • Instrument Owners
  • Electronics and Technology Owners


Comprehensive Coverage

High-value item insurance covers many risks, including theft, damage, loss, and natural disasters. This complete protection ensures that your valuable possessions are safeguarded against unforeseen circumstances.

Financial Protection

High-value items can represent a significant financial investment. With the right insurance coverage, you can receive compensation for the total value of your items in the event of theft, damage, or loss. This financial protection allows you to recover financially and replace or repair your valuable possessions.

Peace of Mind

Knowing that your high-value items are protected brings peace of mind. You can enjoy your possessions without constant worry about potential risks or unfortunate incidents. High-value item insurance lets you focus on appreciating and using your valuable belongings, knowing you are covered if anything unexpected happens.

Tailored Coverage

High-value item insurance can be customized to meet your needs. Whether you have a collection of jewelry, artwork, antiques, or other valuable possessions, insurance providers can work with you to create a policy that addresses your items’ unique characteristics and value. This tailored coverage ensures that your insurance aligns precisely with your requirements.

Worldwide Coverage

Many high-value item insurance policies offer a worldwide range, providing protection for your items no matter where you are. This is particularly beneficial for individuals who travel frequently or have valuable possessions accompanying them.

Expert Claims Handling

Reputable insurance providers offer efficient and responsive claims-handling processes. In the unfortunate event of theft, damage, or loss, you can rely on experienced professionals who will lead you through the claims process and help you recover the value of your high-value items as quickly as possible.

Appraisal Assistance

High-value item insurance often involves appraisals to determine your possessions’ value accurately. Insurance providers can often provide guidance or even connect you with professional appraisers who specialize in assessing the worth of high-value items. This assistance ensures that you clearly understand the value of your possessions and can adequately insure them.

Benefits of High-Value Item Insurance

High-value item insurance offers several critical benefits to individuals with significant value possessions. Some of the notable benefits include:

Requirements for High-Value Item Insurance

High-value item insurance offers several critical benefits to individuals with significant value possessions. Some of the notable benefits include:

Insurance providers typically require documentation to establish the value and authenticity of the insured’s high-value items. This may include original receipts, appraisals from qualified professionals, certificates of authenticity, or any other relevant documentation that verifies the ownership and value of the items.

High-value items often require professional inspections to accurately determine their current market value. Insurance providers may require recent appraisals from reputable appraisers specializing in the specific type of insured items. The assessments help establish coverage limits and ensure the items are adequately insured.

It’s essential to provide precise descriptions of each high-value item to be guaranteed. This includes information such as the item’s make, model, serial number (if applicable), unique characteristics, and other relevant details that help identify and differentiate the thing.

Insurance providers may have specific security requirements for high-value items, especially those prone to theft. This may include installing security systems, using safes or vaults, or implementing other protective measures to minimize the risk of loss or theft. Compliance with these security measures may be necessary to qualify for high-value item insurance.

 Insurance providers may have minimum and maximum coverage limits for high-value items. Additionally, you must determine the deductible amount, the portion of any loss or damage you are responsible for paying out of pocket before the insurance coverage applies. Understanding these limits and deductibles is essential when choosing the appropriate coverage for high-value items.

Like any insurance policy, high-value item insurance requires regular premium payments. The cost of premiums is determined based on factors such as the value of the insured items, the level of coverage, the deductible amount, and other risk factors. Budgeting for these ongoing premium payments is essential to maintain continuous coverage for your high-value items.

It’s crucial to carefully review the terms and conditions of the high-value item insurance policy. Understand the coverage provided, any exclusions or limitations, the claims process, renewal terms, and other relevant details. Clear communication with the insurance provider and a thorough understanding of the policy terms will help ensure that your high-value items are adequately protected.

Why Choose Term Brokers Insurance?


With over 25 years of experience in the insurance industry, we have the knowledge and expertise to provide customized protection plans that meet the unique needs of Florida businesses.

Comprehensive Coverage

We offer a wide range of professional liability insurance options, including errors and omissions insurance, directors and officers insurance, cyber liability insurance, and medical malpractice insurance, to provide comprehensive coverage for your business.

Competitive Rates

We understand that cost is essential when choosing an insurance provider, so we offer competitive rates to ensure you get the best worth for your money.

Exceptional Customer Service

At Term Brokers Insurance, we pride ourselves on providing exceptional customer service to our clients. We are committed to providing prompt, professional, personalized service to meet your insurance needs.

Long-Term Relationships

We believe in building long-term relationships with our clients based on trust, integrity, and mutual respect. We are committed to working with you to ensure that your insurance needs are met now and in the future.

Frequently Asked Questions

High-value items have a significant financial value, typically above the coverage limits of a standard homeowners or renters insurance policy. High-value items include jewelry, artwork, antiques, collectibles, and valuable electronics.

High-value item insurance provides additional coverage for your valuable possessions beyond the limits of a standard insurance policy. This type of insurance can protect you from financial loss if your high-value items are stolen, lost, or damaged.

It is essential to obtain a professional appraisal of your high-value items to determine their actual value. This appraisal will serve as the basis for the coverage limit of your high-value item insurance policy. It is essential to update these appraisals regularly to ensure that your coverage remains adequate, as the value of your items may increase over time.

Contact Us Today!

At Term Brokers Insurance, we are committed to providing our clients with exceptional service and support. Whether you have questions about our insurance products, want to learn more about our services, or are ready to obtain a quote, we are here to help. You can visit our office conveniently located at 348 Miracle Strip Pkwy SW Ste 30-A Fort Walton Beach, FL 32548, or give us a call at 850-864-2000 to speak with one of our experienced agents. We are dedicated to helping you find the right insurance coverage to meet your unique needs, and we look forward to serving you. Contact us today to learn more!

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