Valuable Possessions Insurance

Valuable possessions insurance with personalized coverage and support.

Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident, or natural disaster.

Most affluent homeowners can benefit from valuable possessions insurance. Our solutions provide tailored coverage for a range of your assets, from jewelry, art and wine to antiques. McGrath Insurance Group specializes in finding insurance solutions for high-net-worth individuals. Our convenient location enables us to serve throughout the Lake of the Ozarks region. We’re also licensed in over 20 U.S. states, so we can help more people like you around the country protect valuable possessions.

The Hidden Limits of Standard Homeowners Policies

You may assume your home insurance policy protects both your home and all essential valuables inside, but that isn’t always true. While a standard homeowner’s policy offers some coverage, it may impose significant sublimits on certain items, particularly those with higher values.

What many don’t realize is that standard homeowners’ policies have limitations when it comes to higher valued items in your home. This means that events like the mysterious disappearance of a cherished item or its accidental breakage are unlikely to be covered.

For your most treasured collectibles and other high-value possessions, the limitations in a standard policy can leave you exposed. That’s why we offer valuable possessions insurance in Missouri and beyond. The type of policy we offer for your valuable items typically doesn’t require a deductible and provides comprehensive protection for a wide range of scenarios, including a lost ring or a damaged antique or watch.

Specialized Coverage for Your Possessions

If you’re an affluent homeowner and want to protect your high-value possessions, you can get the coverage you need with our high-net-worth insurance solutions. Our coverage options provide high-limit protection for items that exceed your standard homeowners insurance policy limits. McGrath Insurance Group specializes in identifying solutions for high-net-worth individuals with unique coverage needs. Here are a few details about the policies we offer.

Possible Coverage Situations

A valuable possessions insurance policy can provide coverage in a wide range of situations. Scenarios we might cover include accidental damage coverage for collectibles in the Lake of the Ozarks and other areas, including damage incurred during use. Valuable possessions insurance can also cover mysterious disappearances, including lost or misplaced items.

Coverage generally extends worldwide to protect your valuable items wherever you take them. Many of our policies also feature no deductible for claims, meaning you won’t need to pay out of pocket before insurance kicks in.

Included Valuables

Valuable possessions insurance in Lake of the Ozarks and other areas we serve can protect a wide range of your belongings. Our policies often include coverage for engagement rings, luxury watches, and heirlooms. Antique collection insurance can also protect items such as coins, stamps, wine, and sports memorabilia. If you own expensive paintings, sculptures, furniture, or rare books, these can also often be included in your coverage.

Valuables are typically insured for their appraised value, rather than their depreciated, actual cash value. This protection means you receive market-value claim settlements based on a pre-appraised amount for all scheduled items, without depreciation. With us, you gain financial certainty and protection.

Why Choose McGrath Insurance Group?

If you’re looking for the best insurance company for antique collections in Lake of the Ozarks, we’re a valuable partner. Our company has a longstanding presence in Missouri, so we understand local needs, and we’re licensed in many other states as well. We’re proud to be an independent insurance agency, which gives us the freedom to explore different insurance carriers to find the right fit for your unique needs, from art collection insurance to jewelry insurance in Lake of the Ozarks.

We’re the only agent in the area that represents all the high-net-worth insurance companies. McGrath Insurance Group even holds specialized risk management certification for high-net-worth clients from the Private Risk Management Association. Our agency began in 1945, so we have a long history of valuable experience. Over time, we’ve built relationships with high-net-worth individuals and families and learned what it takes to provide you with the best care possible. We’re here to guide you through the insurance process and help you find the solutions you need.

Request a Proposal

Whether you’re looking to insure collectibles in Lake Ozark or secure diamond ring insurance in Sunrise Beach, McGrath Insurance Group can help. We’ll work with you to identify all your valuables that need specialized protection. We’ll then explore various carriers to find the right coverage for your particular belongings. We’re here to help with financial protection and peace of mind.

Complete our contact form to help us understand your needs, or call to speak with our team. We can use the details you provide to develop a personalized insurance quote.

Get Started Today

As an independent agency, we are here to help you find the right Valuable Possessions Insurance coverage.