Valuable Possessions in Pennsylvania & Maryland
Protecting Your Valuables
Some belongings are more than "stuff" — they're heirlooms, milestones, and pieces of your story. A grandmother's engagement ring, a coin collection started with your dad, the guitar you saved two years to buy. Most homeowners or renters policies cap how much they'll pay out for these items, which means you could be significantly underinsured without knowing it. At Kelly Glass Insurance, we help homeowners across Lebanon, PA and throughout Pennsylvania and Maryland schedule their valuables properly, so the things you love are actually covered if something happens to them. It's part of Focusing on You — looking at your whole life, not just a standard policy.
What Can Be Covered
A Scheduled Personal Property (or "valuable possessions") endorsement can extend coverage beyond your homeowners policy limits for items such as:
- Fine jewelry and watches
- Fine art, antiques, and sculptures
- Collectibles (coins, stamps, trading cards, memorabilia)
- Firearms
- Furs and designer handbags or clothing
- Wine and spirits collections
- Musical instruments
- Cameras and high-end electronics
- Silverware and fine china
Not every household needs every coverage — that's what a real conversation is for.
Frequently Asked Questions
What is valuable possessions insurance?
It's additional coverage — often called a scheduled personal property endorsement or personal articles floater — that insures specific high-value items individually, at a value you and your carrier agree on, rather than relying on the general limits inside a homeowners or renters policy.
Does my homeowners policy already cover my jewelry and valuables?
It usually covers some, but most policies cap categories like jewelry, firearms, or collectibles at a few thousand dollars total, regardless of what any single item is worth. If your engagement ring alone is worth more than that cap, you're likely underinsured without a separate endorsement.
How much does it cost to insure valuable possessions?
Cost depends on the item's value, category, and how it's stored or used. Because pricing varies by carrier, the most accurate way to know is to get a personalized quote — we compare multiple carriers to find the coverage and price that fits your situation.
Do I need an appraisal to insure my valuables?
Higher-value items — like fine jewelry, art, or antiques — typically need a recent appraisal or detailed receipt to establish their insured value. We can walk you through exactly what documentation each carrier requires before you schedule an item.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we're your neighbors on East Cumberland Street in Lebanon, PA.
- "Focusing on You" Reviews: You're a person, not a policy number. As you acquire a new piece, receive an inheritance, or your collection grows, we sit down with you to review your coverage and catch gaps before they become a problem.
- Claims Advocacy: If the unexpected happens, we've got your back. Access our 24/7 Carriers Directory. For additional claims process questions, call us at (717) 272-2242 to talk to an associate.
- Local Knowledge, Regional Reach: Based in Lebanon and serving all of Pennsylvania and Maryland, we know the carriers who genuinely specialize in valuable possessions coverage — not just the ones with the biggest ad budget.
Ready to Get the Right Coverage?
Tell us about your valuables and we'll do the shopping for you — comparing top carriers across Pennsylvania and Maryland to find the right fit for your jewelry, art, or collectibles.
- Speak with an associate by calling (717) 272-2242.
- Text message us at (717) 455-3242.
- Get a free insurance review and quote by completing this information request.