Collections coverage that's actuallyclearagreed-valueyoursconsideredclear
Fine art, jewelry, wine, and rare pieces deserve agreed value and worldwide coverage, not a category cap. We schedule them with specialty carriers and review the whole collection.
Collections coverage, line by line.
What scheduling at the high-value level adds over a home policy rider.
| Coverage | What it covers | Good to know |
|---|---|---|
| Agreed value | A set payout per item, no depreciation | Backed by appraisal at placement |
| Worldwide, all-risk | Coverage that travels and is broad | Beyond a home policy's named perils |
| No deductible | Scheduled items pay from the first dollar | Standard at the high-value level |
| Market appreciation | A cushion above scheduled value | For art and pieces that rise in value |
| Newly acquired | A grace window to cover new purchases | More generous than a standard rider |
| Breakage and pairs | Fair treatment of fragile and set pieces | Read how a partial loss is handled |
Appraisals set the agreed values. We help you assemble what the specialty carrier needs.
Building a collection? Send us the appraisals and we will schedule it, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Collections coverage, answered.
The questions collectors ask first.
A home policy rider works for a few items, but a substantial collection belongs on a specialty fine-art or valuables policy, with agreed value, worldwide all-risk coverage, and appreciation cushions a rider cannot match.
For significant pieces, yes. Current appraisals set the agreed values and prevent any argument at claim time. We tell you what each carrier requires and how often to update them.
High-value collection coverage generally follows the item worldwide, including transit and loans to exhibitions, subject to the terms. We confirm the specifics for your pieces.
Yes. We review the collection and the rest of the estate together before placing coverage.
By appointment