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Personal Lines


Collections

Jewelry stock photo

Finding the proper insurance coverage for your high-value possessions should be considered carefully. Relying on Homeowners insurance is often not enough to protect you in the event of a loss. HM can assist you in making sure your valuable articles are insured properly.

Coverage Highlights:

  • Worldwide coverage.

  • High coverage limits are available.

  • Agreed Value – 150% protection is available for appreciated market values.

  • Scheduled coverage – allows collectors to receive the full value of a scheduled item at the time of a covered loss – Proper documentation, such as a bill of sale, will help ensure an expedient and seamless claims resolution.

  • Blanket coverage – often selected for collections that include a long list of moderately valued items, all collection items under one coverage limit.

  • Art Collection Management Services – provides comprehensive and professional collection maintenance programs to help preserve and enhance the value of your clients’ fine collectibles .

  • Access to Excellent Claims Service.

  • Special pricing is available for in-vault jewelry.

  • High blanket per item limits are available.

  • Deductibles available – if desired.

Each insurance carrier we represent offers a variance of coverage and eligibility requirements may apply to these coverages.

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HM Risk & Benefits

  • St. Louis Headquarters
  • 8235 Forsyth Boulevard, Suite 1200, St. Louis, Missouri 63105-1643
  • Toll Free: 800-489-6626 | 314-746-4700
  • 314-889-3700
  • https://hmrisk.com/
  • Springfield, MO Office
  • 2925 E. Battlefield, Suite 120, Springfield, Missouri 65804-4020
  • Toll Free: 844-432-1010 | 417-895-4600
  • 417-895-4602

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