How to Keep Your Valuables Safe at Home: Security Tips That Pair with the Right Coverage

​Protect your jewelry, heirlooms, and electronics with these home safety tips—and learn which insurance options give you the best protection.

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Keeping What Matters Most Secure

From electronics to wedding rings, your valuables deserve both physical and financial protection. Burglary and accidental damage are real risks—and insurance can help fill the gaps. Beyond physical items, identity theft from stolen documents can also pose serious consequences.

Top Security Measures:

• Install monitored security systems: Services like ADT, Ring, and SimpliSafe offer real-time monitoring and emergency dispatch.
• Use fireproof, waterproof safes: For storing documents, small heirlooms, or digital backups.
• Be discreet: Keep valuables out of sight from windows and avoid sharing high-ticket purchases on social media.
• Create a digital inventory: Use apps or spreadsheets to document valuables with receipts and serial numbers.

Why Standard Coverage May Fall Short:
Typical homeowners and renters insurance policies cap coverage for categories like jewelry, fine art, or collectibles. For instance, your plan might only cover $2,500 worth of jewelry lost in theft—leaving expensive pieces underinsured.

That’s where additional coverage comes in:

• Scheduled personal property endorsement: Adds item-specific protection to your home policy
• Standalone valuable articles policy: Offers broad protection and often no deductible, from carriers like BriteCo

When to Upgrade Coverage:

• Engagement or wedding rings
• Designer watches or handbags
• Original artwork or rare collectibles
• Firearms or coin/stamp collections

Real-World Example: Let’s say your $8,000 wedding ring is stolen during a burglary. Your standard policy limit is $2,500—leaving you with a $5,500 gap. But with scheduled property coverage, you could receive full value replacement with no deductible depending on your carrier.

Final Thoughts: Even the most secure homes need a backup plan. Reach out to Corin to make sure your most treasured items are fully protected.

Disclaimer: Coverage limits and exclusions vary by policy and provider. This content is for general guidance only. Speak with a licensed agent at Corin Insurance for personalized advice.