Your most valued possessions will need unique coverage that may not be included in a home policy. Speak with your insurance broker to learn more about this coverage. If you don’t have an insurance broker, you can find one here.
Ovation’s Valuables, also known as Scheduled Articles coverage, provides increased coverage amounts and additional protection for your jewellery, furs, wine collections, fine arts, collectibles and more.
Your valuable possessions are covered anywhere in the world for loss and damage, including spoilage, breakage, earthquake and flood. You can choose to cover each item individually based on its value, or under a blanket coverage, with a maximum value per item.
You do not have to pay a deductible in the event of a claim.
Parts, pairs and set
In the event of a claim on items that are part of a set, you can choose either a partial settlement, or a total loss settlement, if you agree to surrender the undamaged part.
In the event of a claim, if you decide to replace a scheduled item and the market value is higher than the coverage amount listed on your policy, we will pay up to 150% of the amount listed.
Jewellery kept in a bank vault
Your jewellery kept in a bank vault lowers the risk of theft, resulting in a reduced insurance premium.
Newly acquired articles
If you purchased or inherited an item, you receive 90 days of complimentary coverage of up to 25% of the coverage amount.
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