Why Standard Policies Fall Short
Typical homeowners insurance creates dangerous coverage gaps:
Inadequate Limits (
1,000−
1,000−2,500 for jewelry categories)
No Protection for accidental damage or mysterious loss
DepreciThe Essential Protection Your Valuables Deserve
When your most cherished possessions – from heirloom jewelry to investment-grade art – require specialized protection, Premium Valuables Insurance (also known as Luxury Asset Coverage or High-Value Collections Policy) provides the comprehensive solution standard policies can’t match.
What Qualifies for Premium Coverage?
- Jewelry pieces valued at $10,000+
ated Valuations instead of the current market value
Geographic Restrictions on coverage
Real Example:
Your
50,000 Picassosketchsufferswaterdamage.Standardinsurancemightoffer
50,000 Picassosketchsufferswaterdamage.Standardinsurancemightoffer5,000. With Premium Valuables Insurance, you’d receive full restoration costs.
Bloomingdale’s Unmatched Benefits
Our Luxury Asset Coverage delivers:
✔ Guaranteed Value Payouts – No depreciation
✔ Worldwide All-Risk Protection – Anywhere you travel
✔ Specialized Claims Handling – Dedicated valuables team
✔ Flexible Coverage Options – Blanket or itemized plans
✔ Competitive Premiums – Based on actual risk factors
Specialized Protection Plans:
- Jewelry & Fine Art Protection
- High-Value Collections Policy
- Scheduled Valuables Plan
- Exclusive Possessions Insurance
3 Simple Steps to Complete Protection
- Professional Appraisal
- Required for items over $10,000
- Current market valuation reports
- Custom Policy Creation
- Choose between blanket or scheduled coverage
- Select deductible options (
- 0−
- 0−10,000)
- Add specialized riders as needed
- Secure Storage Solutions
- Climate-controlled options
- Bank vault recommendations
- Home safe installation guidance
5 Critical Coverage Questions
1. How quickly can I get coverage?
Most policies can be bound within 24 hours of appraisal completion.
2. Are appreciation values covered?
Yes, we offer automatic inflation protection up to 150%.
3. What’s excluded from coverage?
Wear and tear, war, or nuclear hazards – nearly everything else is covered.
4. How are claims processed?
Through our dedicated valuables division with expedited service.
5. Can I adjust coverage as my collection grows?
Annual policy reviews and mid-term adjustments are standard.
Client Success Stories
⭐⭐⭐⭐⭐
“When burglars took my $75,000 watch collection, Bloomingdale’s Premium Valuables Insurance had me fully compensated within 10 days.” – James R., Beverly Hills
⭐⭐⭐⭐⭐
“The Jewelry & Fine Art Protection saved my gallery when a fire damaged three pieces. Their restoration network is unparalleled.” – Sophia K., New York
⭐⭐⭐⭐⭐
“As a touring musician, I rely on their Scheduled Valuables Plan to protect my instruments worldwide. The peace of mind is priceless.” – David L., Nashville
Secure Your Legacy Today
Your valuables represent more than monetary value – they’re your legacy. Premium Valuables Insurance from Bloomingdale Insurance Services delivers the white-glove protection your treasures demand.
Schedule a confidential consultation with our luxury asset specialists to craft your perfect coverage solution.