What Are the Items Covered By Valuable Personal Property Insurance

Valuable personal property insurance is purchased to cover special items that may be valued differently than other items you own. Items that are valued significantly higher due to their age or uniqueness may require a special policy that will provide additional coverage if they are lost, damaged, or stolen. It’s important to know what type of damage is covered for each type of item.


Jewelry that is made from precious metals and gemstones like diamonds, rubies, sapphires, and emeralds are worth much more than basic costume jewelry. While cheaper jewelry can still be insured, the pieces may not be valuable enough for their own policy. Expensive jewelry like diamond wedding rings should always be appraised before an insurance policy is purchased. Heirloom jewelry pieces may hold value simply due to their age, but an appraisal to determine their value is recommended.


Antiques are items that hold significant value due to their age or the fact that they cannot be easily replaced. Antique and vintage style furniture, clothing, vehicles, and other household items can be quite costly to buy. While many old items have sentimental value, that doesn’t necessarily mean they hold monetary value that would require an additional insurance policy. If you are unsure of how valuable a particular antique or vintage item is, you may want to talk to an antique dealer to determine item’s real value.


Artwork can include pen or ink drawings, sculptures, paintings, pastels, and any other type of work that holds substantial value. Pieces of art that were created by well-known artists are usually much more valuable than items made by an unknown artisan. Before you purchase personal property insurance for pieces of art, you should have your artwork appraised by a reputable art dealer who specializes in the type of piece you own. You should discuss your options with your insurance agent.

Musical Instruments

Quality musical instruments, whether they are antique or not, can be extremely valuable. Antiques can hold additional value, especially if they are still able to be used for their original purpose. Protecting these items may require the use of a case or storage in a temperature-controlled environment. If the instruments are used as part of your livelihood, make sure they are insured for their full value. Any time you buy another instrument, make sure to call your insurance agent immediately.

Insuring your most valuable possessions is essential if you want to protect yourself from financial loss. Purchasing personal property insurance coverage is not something you should take lightly. Contact James Page Insurance if you have any questions about insuring your valuable items. We have the answers you are looking for and will assist you in finding the right coverage.

How Can Life Insurance Policy Be the Best Christmas Gift

Buying life insurance as a Christmas gift isn’t such a bad idea. It can be difficult to buy Christmas gifts, especially when you have no idea what people want. Who wants to buy gifts that will only sit on a shelf, end up being thrown in the attic, or donated to a local charity? Instead of buying gifts that will never be used, buy the one gift that will continue to offer benefits for many years to come. The right life insurance policy will serve your family much better than any traditional Christmas gift.

Secure Your Family’s Future

Buying a whole life insurance policy will protect your family from financial loss after your death. If something happens to you, your income will also go away, which means your family will lose their primary source of financial support. Purchasing a whole life insurance policy as a Christmas gift will protect your family’s financial future. Protecting them financially will give them the peace of mind they need to move forward with their lives.

Settle Your Final Expenses

Another reason for purchasing a life insurance policy for Christmas is to take care of your final expenses and settle any outstanding debts you may leave behind. The last thing you want to do is leave behind a large amount of debt that your family will have to worry about after you pass away. A life insurance policy will pay for your burial and funeral expenses, as well as debts you may leave behind in terms of mortgages, car loans, or personal loans. Settling all of your final expenses with a life insurance policy is a great way to keep your family financially secure.

Provide for Your Children’s Education

Buying a term life insurance policy for each of your grandchildren is a great way to provide for their future as well as their education. A term life insurance policy can be set up to reach maturity when the child turns 18. Once they reach 18 years of age, they can choose to let the policy continue to grow interest or they can cash it in and use the money to pay for their college education. The money is then theirs to use however they want. If they are thinking about going into business, cashing out the policy may give them what they need to give the new business a boost.

Know Your Options

There are different types of life insurance policies you can choose from. Don’t guess when it comes to buying any type of life insurance. If you plan on giving the policy as a gift, make sure that you are buying the right kind. Different policies serve different purposes. Knowing what your goals are will help you find the right policy for the right situation. If you are unsure of what type of policy is needed, talk to your agent. They can help you determine what type of policy may be best. In some situations, you may want to invest in more than one policy.

Buying life insurance as a Christmas gift can make your shopping list much easier to complete. Learn as much as you can about each type of policy so that you understand the benefits of each. When you are ready to purchase the policy or policies, contact the agents at James Page Insurance. We have the answers you are looking for and will help you find the policy that best suits your family’s needs.