Insurance for your valuables

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For more information on The Platinum Experience, find an independent Hanover agent in your area.

Covering your treasures—big and small.

We all own things we could live without if we had to. But the truth is, you don't have to live without them, especially with these very affordable coverages offered by The Platinum Experience!

Valuable Items Plus (VIP) Blanket Property

An optional endorsement to your Hanover Platinum Protection Home policy that allows you to protect a collection (or "blanket") of valuables, without having the hassle of itemizing them. For an additional premium, you can protect such classes of property as:

Insurance Blanket Limits up to $50,000:

  • Jewelry
  • Silverware
  • Fur
  • Fine Arts
  • Musical Instruments

Insurance Blanket Limits Up to $20,000:

  • Cameras
  • Computer Equipment
  • Firearms
  • China/Crystal
  • Golfer's Equipment

Benefits of purchasing VIP insurance coverage include:

  • Any single item is covered up to $10,000 per occurrence
  • Important coverage since sub-limits on a home policy often aren't enough
  • No deductible

Scheduled personal property

A valuable item can take a week, month or years’ worth of income to buy, but only a moment to be lost, stolen or destroyed. Don't wait until you suffer a loss to find out that your possessions were not covered.

Classes include:

  • Jewelry (in and out of vault)
  • Silverware
  • Stamp and Coin Collections
  • Musical Instruments
  • Furs
  • Cameras
  • Golfer's Equipment
  • Firearms
  • Limited Editions (with and without breakage): limited edition dolls, rare books, collectible plates, figurines (such as Hummels®) etc.
  • Hobby Collections: memorabilia, souvenirs and collectable items such as trading cards, comic books

Sample Scheduled Personal Property benefits:

  • Coverage provided for mysterious disappearance and breakage
  • Standard homeowner policies cap coverages in these classes
  • No deductible