- Individuals & Families
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- Embedded Insurance
Protect your ring with Chubb Valuable Articles insurance and get the peace of mind and financial security you need.
Because pets are family, Chubb now offers pet insurance with top-rated coverage from Healthy Paws.
Chubb offers the insurance protection you need for travel’s many “what ifs”.
Chubb protects small businesses at every stage – from newly formed start-ups to long-time anchors of the community.
Stay ahead of cyber threats with our free Cyber Claims Landscape Report.
Learn more about our dedicated learning paths, Online Learning Center, and more.
Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Chubb’s in-house technology makes it easy to integrate what we do into your customer experience.
Valuable Articles Insurance Coverage
Chubb can help protect your valuables, down to the finest detail.
- Focus on keeping your valuables safe. We provide loss prevention and preservation advice for all of your collectibles for no additional cost.
- Specialized referrals. The Chubb Trusted Network is available to our clients for no additional cost, and all providers are carefully screened for quality and expertise.
- Dedicated in-house collection specialists. Our in-house collection specialists are experts in their fields and can provide advice on how best to store, ship, and keep your items safe.
- You’ll never hear “that’s good enough”. Chubb's coverage is comprehensive and includes breakage of fragile collections, lost possessions, and newly acquired treasures.
Damaged sculpture restored
Ronald & Noah | New York, NY
After Ronald and Noah’s one-of-a-kind sculpture was damaged, Chubb responded quickly to ensure their beloved piece was made whole again.
Our top findings
According to a new Valuable Collections survey from Chubb, consumers are continuing to expand their personal valuable collections using online auctions and social media, often purchasing art sight unseen.
Why you need a valuables policy
- 51% Wine
- 50% Jewelry
- 47% Watches
- 41% Designer accessories
- 39% Art
- 31% Spirits
- 28% Sports memorabilia
- 24% Classic collector car(s)
Broken watch repaired
Scott K. | Dallas, TX
Within just a week of damaging his watch, Scott had a check in hand for the full amount of the repairs.
What if this happened to you?
When the unexpected happens, you’ll want to make sure you have the right insurance coverage to protect your valuables and collectibles.
We won't compromise when it comes to serving our clients.
Worldwide coverage
Our insurance protects your covered valuables at home and across the globe, and covers most causes of loss, with no deductible.
Individualized coverage
We offer flexible coverage options to meet your unique needs, whether you own one high-valued item or a number of collections.
Protecting your delicate items
We cover breakage of fragile possessions like fine china, crystal, and porcelain.
Agreed value feature
We’ll work with you upfront to determine the value of your items. Then, for covered total losses, you’ll get 100% of the agreed value as a cash settlement.
Paying market value
If the market value of an item on your policy has increased before a loss so that it exceeds the amount of coverage for that item, we’ll pay the market value—up to 150% of the amount of your itemized coverage.
Automatic coverage for new items
If you already have itemized jewelry, fine art, wine, or other collectibles, newly acquired items are covered for up to 90 days (25% of the itemized coverage).*
Premium discounts
We’ll offer a premium discount if you typically keep certain jewelry items in a bank vault.
Liberal appraisal requirements
We only require appraisals for individual jewelry pieces valued at $100,000 or more, fine art items valued at $250,000 or more, and wine valued at $50,000 or more. Otherwise, we just need a detailed description and estimated value.
The choice is yours
You can decide whether to repair or replace an item, at the merchant of your choice, or keep the cash.
Re-evaluate your valuables
Like other types of investments, items such as fine art, jewelry and watches, wine, and other collectibles can fluctuate in value over time. If that happens, your insurance coverage might not fully protect you in the event of a loss. We suggest getting new appraisals for your valuables every 3-5 years and assessing your policy limits to make sure they reflect your actual risk.
We can connect you with appraisers and other resources to help ensure that your valuables are properly valued and protected.
Specialized services
With high levels of experience in the field, Chubb’s Fine Art & Collections Specialists are passionate about what they do and the clients they advise. This team of in-house specialists comes from diverse backgrounds in the global art market, including museums, art warehouses, auction houses, art galleries, art fairs, art research and market analytics, and art advisory firms.
Many have advanced degrees, certificates, and relevant training from New York University’s Art Appraisal Program and the International Society of Appraisers, the Gemological Institute of America, and the Society of Wine Educators.
Get more out of your existing coverage
- Risk assessment for your entire collection
- Valuation review for your collection
- Consultation to prepare your collection for an emergency like a natural disaster
- Consultation to get your collection ready before a home renovation
Are your valuables insured to full value?
Make sure your valuables are insured to their full market value. Check out these articles and resources to learn more about getting appraisals and insurance coverage for your valuables.
Insure your valuables with confidence.
Discover more about Chubb’s Masterpiece Valuables coverage and find out how to get started today.
4 ways to ensure a quality appraisal.
Getting a good art appraiser is key to establishing the actual value of your pieces.
Protect your wine, so you can appreciate it for years.
Learn more about our Masterpiece Valuable Articles Insurance for your collectible wine.
Insights and expertise
Should I insure my engagement ring?
How do I get my jewelry appraised?
How to insure high-value jewelry
Tips on maintaining your mechanical watch
5 items not to overlook when valuing your wardrobe
Protecting a luxury handbag investment: Tips for next gen collectors
The power behind the sports memorabilia market
Next gen’s passion for pop culture collectibles
We look for ways to do more in the community too.
New York Academy of Art
To help support the next generation of artists, Chubb sponsors three post-graduate fellows every year at the New York Academy of Art.
The Winter Show
Chubb is proud to sponsor The Winter Show, a leading art, antiques, and design fair, featuring 70 of the world’s top experts in fine and decorative arts. Held at the historic Park Avenue Armory, The Winter Show is owned by and benefits New York’s East Side House Settlement.
Art Basel Miami
As an official partner of Art Basel Miami, a renowned art fair connecting art collectors, galleries, and artists, Chubb showcases the work of our New York Academy of Art post-graduate fellowship recipients.