Travelers Valuable Items

Transcript

1 At Travelers, we’re committed to items valuable bringing you innovative insurance solutions. It’s a commitment built on our more than 150-year heritage of industry-leading firsts – from issuing Your possessions are worth a lot to you, the first auto insurance, to pioneering especially certain ones that reflect your identity fraud expense reimbursement personal interests and taste. and discounts on hybrid vehicles. Essential Protection for Valuable Possessions To protect your most valuable belongings, Travelers offers you two choices for superior coverage and flexibility. ® lus P 1. Valuable Items 2. Personal Articles Floater • Expanded coverage for your valuables. Higher limits available for your • valuable items. You generally pay NO deductible! • The Travelers Indemnity Company and its property casualty affiliates One Tower Square Hartford, CT 06183 travelers.com This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages and discounts are subject to individual insureds meeting our underwriting qualifications and to state availability. © 2011 The Travelers Indemnity Company. All rights reserved. PL-10727 Rev. 11-11

2 Coverage Comparison Personal Basic Personal Articles Floater Travelers works hard to Valuable Travelers Articles Separate protection for high-value assets Plus Items Floater Homeowners protect the valuables you’ve If you own valuable, rare or irreplaceable items, In case Actual cash Actual cash Agreed value such as collectibles or antiques, you may prefer the of a value (See on jewelry value (See worked hard to acquire covered comprehensive protection offered by the Personal note below) and fine art, note below) loss, you ACV for all Articles Floater. ® receive Plus Valuable Items other items In case of a covered loss, this specialized coverage Deductible None, unless None $250 or more Builds on your homeowners policy you pay specified allows you to recover the value of an item (based on People who own valuable possessions need broader a recent appraisal or bill of sale). This policy provides coverage than a basic homeowners policy provides. Insures Specific “All risk” “All risk” Against “named coverage for jewelry and fine art at an amount you Now you can enhance your Travelers Homeowners perils” and Travelers agree upon. For other items, the policy endorsement. lus policy with the Valuable Items P Coverage Blanket Scheduled Blanket provides either actual cash value, cost to repair, cost coverage coverage coverage While homeowners insurance pays for loss or damage to replace or up to the insured amount, depending on (Appraisals and from certain causes; such as fire, theft and other named descriptions what happens to the item and its current value. may be expands coverage to protect lus P perils; Valuable Items required) The Personal Articles Floater is the right policy for your valuables from loss caused by additional perils people who have carefully selected and invested in items (subject only to a few common exclusions). Limits Coverage C Limits up to No maximum with values exceeding the limits of either a homeowners Now you can purchase up to $50,000 of coverage for amount limits $50,000 with limit (Special policy or homeowners policy with Valuable Items P lus . limits apply to $10,000 per jewelry, antiques, paintings, tapestries, statues and certain types article ($500 other fine art and as much as $20,000 coverage for for computer of property) silverware or furs. The maximum payment for any one media)* Your Agent Is Working Hard for You • Jewelry Jewelry • Eligible item is either $10,000 or $20,000 depending on the All personal By choosing Travelers, you have someone working for Property • • Silverware Silverware property state. In addition, you pay no deductible. When you you. Your Travelers independent agent believes that unless • Fine Art Fine Art • compare these higher limits with the totals paid by excluded or your satisfaction with your insurance is of the utmost • Furs • Furs limited by traditional homeowners insurance for losses of personal • • Computers Computers importance. Your agent can help you decide on the right the policy articles, the difference is clear. Guns • Guns • coverage for the items that you value most. So whatever • Cameras Cameras • your insurance needs, please don’t hesitate to call your P It’s easy to add Valuable Items lus protection. No Musical • Musical • local Travelers agent today. appraisals or other extra steps are involved because this Instruments Instruments is blanket coverage for all of the property you select to • China China and • Crystal Crystal • insure. So if you have a Travelers Homeowners policy • Golfer’s and valuables that mean a lot to you, consider the Equipment advantages and affordability of Valuable Items lus P . • Postage Stamps • Coin Collections Note: If your homeowners policy has been extended to cover personal • Sports property on a replacement cost basis, such coverage will apply to as well. P lus Valuable Items Equipment • Miscellaneous

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