Jewelry & Specialty Coverage in Wichita Falls
Why Jewelry & Specialty Coverage Matters in Wichita Falls
Some belongings carry more than financial value — they hold memories, milestones, and meaning. From engagement rings and family heirlooms to classic cars and treasured collectibles, these items deserve protection beyond what standard home or renters policies provide.
At Montoya Insurance Group, LLC, we help Wichita Falls families safeguard what’s priceless with jewelry and specialty insurance policies designed to provide peace of mind.
What Our Jewelry & Specialty Coverage Protects
We provide tailored protection for items that need more than standard coverage, including:
- Jewelry Insurance – Rings, necklaces, watches, and family heirlooms.
- Personal Articles Coverage – Electronics, cameras, instruments, and other valuables.
- Classic & Antique Cars – Specialty coverage for restored or collectible vehicles.
- Art & Collectibles – Paintings, antiques, or one-of-a-kind collections.
- Agreed Value Coverage – Guaranteed payout based on appraised value, not depreciation.
- Worldwide Protection
– Coverage that follows your valuables wherever you go.
Common Add-Ons & Options
We help Wichita Falls clients customize their protection with:
- Scheduled property riders for individual high-value items
- Coverage for accidental loss (e.g., a lost ring or watch)
- Roadside assistance for classic cars
- Coverage during exhibitions, shows, or while items are in transit
Who Needs Jewelry & Specialty Coverage in Wichita Falls?
This coverage is ideal for:
- Families with Heirlooms – Protecting jewelry, watches, and keepsakes.
- Collectors – Covering art, antiques, or rare items.
- Classic Car Owners – Ensuring unique or restored vehicles are properly insured.
- Frequent Travelers – Keeping valuables protected worldwide.
Local Risks to Consider
Residents in Wichita Falls face unique risks that make specialty coverage important:
- Severe Weather – Hail and tornadoes can damage vehicles or homes holding valuables.
- Theft & Burglary – High-value items are frequent targets.
- Accidental Loss – Jewelry and small valuables can be misplaced or lost.
FAQs – Jewelry & Specialty Coverage in Wichita Falls
Does my homeowners insurance cover jewelry?
Most standard policies have limits on jewelry and high-value items. Specialty coverage ensures full protection.
What qualifies as a specialty item for coverage?
Jewelry, personal articles, collectibles, classic cars, art, and other high-value belongings.
What is agreed value coverage?
It guarantees a payout based on an item’s appraised value, not its depreciated value.
Can I cover just one or two items?
Yes. We can schedule individual items like engagement rings or watches.
Do you offer bilingual service?
Yes. Montoya Insurance Group, LLC provides service in both English and Vietnamese.
Protect What’s Priceless
Get the Right Jewelry & Specialty Coverage in Wichita Falls, TX
At Montoya Insurance Group, LLC, we know some things are simply irreplaceable. From treasured jewelry to collectible cars and family heirlooms, we’ll help you find affordable coverage that ensures peace of mind for the things that matter most.