Skip to main content
Suggested Searches
Quick Links

Valuable Articles Insurance Coverage

Protect your artwork, jewelry and watches, wine and spirits, and other collectibles - so they can last a lifetime and beyond.

We understand that your treasures reflect your personal journey. That’s why Chubb looks for ways to say yes and to do more.


Testimonial video
Testimonial video

Broken watch repaired

Within just a week of damaging his watch, Scott had a check in hand for the full amount of the repairs.

Video Play icon
Testimonial video
Testimonial video

Damaged sculpture restored

After Ronald and Noah’s one-of-a-kind sculpture was damaged, Chubb responded quickly to ensure their beloved piece was made whole again.

Video Play icon
Protection you can count on
Protection you can count on

Why you need a valuables policy

If you're adding to your collection, you're not alone.

While typical homeowner’s policies are designed to protect your home and what’s inside, there is usually limited coverage for valuable possessions—such as jewelry and watches, fine art, and wine—that may get lost, stolen, or damaged. With a Chubb Valuable Articles policy, you can protect the special possessions that matter to you. 

Our top findings
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.

of collectors have used an online auction platform to buy or sell valuables or collectibles.
of art collectors have purchased or would consider purchasing art sight unseen.
of art collectors, age 18 to 24, are likely to be influenced to purchase art through social media.
The bottom line
The bottom line

Chubb can help protect your valuables, down to the finest detail.

What’s important to you is important to us, so we go the extra mile to help you make sure your valuables stay safe.

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.

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.


You lost one diamond earring.

Video Play icon

Water damages your sports memorabilia.

Video Play icon
wine & spirits
wine & spirits

Wine spoiled by a power loss.

Video Play icon

Commissioned painting is destroyed.

Video Play icon

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
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

Together, Chubb's Fine Art & Collections Specialists provide a full suite of consultative and collection management services for the display, preservation, transportation, storage, and value of fine art, jewelry, wine, and other collectibles. These services are available for no additional cost and include, but are not limited to:


  • 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 


Our community
Our community

We look for ways to do more in the community too.

At Chubb, we are always looking for ways to do more for our clients—and the communities they call home.

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.