Protection for your valuable items
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Valuable items

jewelry box with jewelry and watch

A valuable item can take weeks-, months- or years-worth of income to purchase, but only a few seconds to be lost due to theft, natural disaster or other unforeseen events. Most homeowners insurance comes with a limited amount of protection for valuable items that is called blanket coverage. For your most precious items that exceed this limit a scheduled personal property endorsement or valuable items plus (VIP) property endorsement added to your existing home or renters policy can help make sure your prized possessions are protected.

Not sure what’s worth covering, or how much coverage you need? Not a problem. Your independent agent can determine what coverage provides you with the best value.

Total account protection

We’re committed to providing you with the auto, home and supplemental property insurance coverage you need to protect what matters most to you. That's why we’ve made it easy to get the protection you need in one convenient bundled package. You’ll benefit from get one policy, one coverage effective date and one bill. Plus, you also save money on both your auto and home premiums when both policies are insured with The Hanover.

Coverages to consider

Scheduled personal property

Scheduled personal property

This endorsement has no deductible, and provides itemized coverage for items such as jewelry, coin collections, silverware, fine arts, cameras, sports equipment, musical instruments and more

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Valuable items plus (VIP)

Valuable items plus (VIP)

This endorsement allows you to protect your valuables, without having to itemize them. Any single item is covered up to $10,000 and jewelry or fine arts items are covered up to $25,000, with no deductible. For an additional cost, you can also insure higher-end items.

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Hanover Prestige

Hanover Prestige

Prestige is The Hanover's distinctive brand of personal insurance options for higher-value homes and autos. The protection we offer with Prestige is backed by service and expertise that lives up to your expectations. Prestige also offers you the flexibility to tailor the plan to help fit your needs, without paying for unneeded coverage.

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Coverages made clear

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