Valuable Possession And Item Insurance In South Carolina

At Southern Insurance Group, we understand the unique insurance needs of South Carolina homeowners. That's why we offer some of the best policies for valuable possessions and items in the state. Whether you want to protect your jewelry, art collection, or other high-value items, our customizable coverage options can be tailored to meet your specific needs and requirements.

Our knowledgeable agents are available to answer any questions you may have and help you determine the right coverage for your valuable possessions. We provide a wide range of options, including scheduled personal property insurance that provides higher limits for specified items such as jewelry, artwork, antiques, and collectibles.



At Southern Insurance Group, we offer our customers more than just insurance policies; we offer peace of mind. With us by your side, you can rest assured that your valuable possessions and items will remain protected. Contact us today to learn more about our valuable possession/items insurance policies in South Carolina.

In South Carolina, valuable possessions/items insurance can provide coverage for items such as: 

• Artwork
• Cameras & Computers
• Card, Stamp, & Coin collections
• Firearms
• Golf equipment
• Jewelry
• Musical equipment
• Pedigreed dogs
• Rugs & Furs
• Silverware & Crystal collections
• Sound equipment

These items are often excluded from standard home insurance policies, so having this additional coverage is crucial if you own any of the above items. Valuable possessions/items insurance can protect these items and help to cover the costs of repair or replacement in case of theft, damage, or accidental loss.

Valuable item insurance and homeowners’ insurance in South Carolina are similar in that they both provide financial protection for personal property. However, while homeowners’ insurance provides coverage on most items within the home, valuable item insurance is specifically tailored to offer more comprehensive coverage on high-value possessions such as jewelry, artwork, antiques, and collectibles.

Valuable item insurance policies often have higher value limits than standard homeowners’ policies, which means your valuable possessions can be adequately insured and safeguarded. Additionally, many policies offer extended coverage for loss or damage caused by special risks such as accidental breakage and mysterious disappearance.



Another key difference between valuable item insurance and homeowners’ insurance is the coverage for loss or damage. Valuable item policies provide "all risk" coverage, meaning that it covers losses even if the cause of the damage or loss is unknown. On the other hand, homeowners’ insurance usually only provides limited coverage for certain risks such as fire and theft.

The average cost of valuable item insurance in South Carolina varies depending on the type and value of items being insured. Generally speaking, policies for high-value items can range from a few hundred dollars to thousands depending on the value of your possessions. Other factors that can affect the cost of your policy include the following:

a) The type of valuable item you are insuring - The type of valuable item you are insuring will play a role in determining the cost of your policy. For instance, jewelry and art may cost more to insure than other items due to their high value, while antiques and collectibles can be relatively inexpensive to insure, depending on their age and rarity. 

b) The amount of coverage you need - The amount of coverage you need will also affect the cost of your policy. If you only need to cover a few items, such as jewelry or art, your premiums may be lower than if you were looking for a comprehensive policy that covers multiple items.

c) Your location - Your location can also affect the cost of your policy. For example, if you live in an area prone to natural disasters such as hurricanes or floods, your premiums may be higher than if you lived in a more temperate climate. 

d) Your deductible - The amount of your deductible can also affect the cost of your policy. A higher deductible may help reduce your premiums, but it's important to ensure you're comfortable with the level of coverage provided before deciding on a particular plan. 

e) Your credit score - Your credit score can impact the cost of your policy. Insurers use credit scores to decide how much of a risk you pose and subsequently set their premiums accordingly. 

f) Your claims history - Your claims history can also help determine your policy's cost. If you have had multiple claims in the past, insurers may factor this into their risk evaluation and increase your premiums accordingly. Conversely, if you have a good record of no or few claims, it may be possible to get a discount on your policy. 

It is important to consider all these factors when looking for the best home insurance policy for your needs. Doing research and comparing policies side by side can help you find the most suitable coverage at an affordable price. Additionally, it's always a good idea to review your current policy periodically to ensure that you're getting the most value for your money and are adequately protected in the event of any unexpected accidents or damages.

Claiming your South Carolina valuable possessions/items insurance is easy. The first step is to contact your insurer and provide them with the necessary information, including details of the incident or damage. Your insurer will then assess the situation and provide you with a claim form to fill out with all relevant information. Once your claim is approved, you will receive payment for the cost of repairs or replacement.

It is important to note that when filing a claim, you must provide evidence that your possessions/items were insured with your policy. This could include pictures of the item(s), receipts, appraisals, and other documents that prove ownership. Additionally, it's wise to keep track of valuables or items of significant value in your home to ensure they are covered.

By taking the necessary steps to understand and apply for South Carolina valuable possessions/items insurance, you can rest assured knowing that your most prized belongings will be protected if something happens. With the right policy in place, investing in this type of coverage is a wise decision.

At Southern Insurance Group, we are here to provide you with all the information and assistance you need to secure South Carolina's valuable possessions/items insurance. Our agents have years of experience in the industry and are experts in helping customers like you get the coverage they need for their homes, businesses, and personal property.



Get in touch with the agents at Southern Insurance Group today, and let us help you get the valuable possessions/items insurance coverage that you need!