Tool · Valuables & Collections
How much does it cost to insure your valuables?
You know what your collection is worth. This tool takes it from there. Enter the value of your jewelry, art, wine, and watches, and it shows you two things your policy does not put in front of you: how much of that value your current coverage would actually pay, and what it would cost to cover the rest. It takes about two minutes.
Your collections
Add a line for each collection you own.
Enter what your pieces are worth to see your coverage gap.
How to read your result
Your result has three parts.
Total value is the sum of what you entered, your collection's worth by your own reckoning.
The gap is the part your current policy would not pay: your total value minus the sub-limit that caps it. On most homeowners policies that cap sits around $1,500 for jewelry, so the gap opens quickly once you own a piece or two of real value.
Estimated premium is the rough annual cost to cover the uncovered items at the values you gave. It is a starting point for a conversation, not a quote.
Methodology
How the estimate works.
The tool works from the values you enter, rather than asking you to calculate a replacement cost. You know what your pieces are worth; it takes your numbers and does the rest.
It compares your total against the sub-limit on a typical homeowners policy, which caps categories like jewelry theft at around $1,500, to find the gap. For the premium, it applies standard category rates to the uncovered value, on the order of 1 to 2 percent a year for jewelry and less for fine art, then adjusts for where you live and how items are stored.
When you move to actually schedule the high-value pieces, an appraisal sets the formal agreed value the carrier insures them at. Until then, your own numbers are all the tool needs to size the gap.
Next steps
What to do with the result.
If the tool shows a gap, you have two ways to close it. Schedule the high-value individual pieces at an agreed value, where each item is listed and settled at a set figure. Cover the rest blanket, as a category pool, for items that are lower in value or change often. Most households use both.
From there, the next steps are an appraisal for anything high-value and a quote to put the coverage in place.
When valuables are part of a bigger picture
Coordinated, not standalone.
If your total runs into the hundreds of thousands, valuables coverage is usually one piece of a coordinated high-net-worth program rather than a standalone floater. Placed that way, it sits alongside your home, auto, and liability, so the limits line up and nothing falls through a seam between policies.
Common questions
About the calculator, specifically.
Related guides
Keep reading
Valuables & collections insurance
The full picture: what it covers, who needs it, and what it costs.
How jewelry insurance works
Sub-limits, scheduling, and what an engagement ring actually needs.
Scheduled vs. blanket coverage
When to list each item individually and when blanket is the right call.
Appraisal vs. agreed value
How the figure on a scheduled item gets set, and why it matters at a claim.
Put the coverage in place.
A licensed Bulwark advisor will turn your estimate into a real quote, arrange appraisals where they are needed, and schedule your valuables on the right terms. Most reviews come back in about a day.