{"id":4818,"date":"2013-03-16T08:02:31","date_gmt":"2013-03-16T07:02:31","guid":{"rendered":"https:\/\/www.emberjd.com\/?p=4818"},"modified":"2020-07-27T13:50:03","modified_gmt":"2020-07-27T12:50:03","slug":"definition-of-valuables","status":"publish","type":"post","link":"https:\/\/www.emberjd.com\/emberjd-blog\/definition-of-valuables\/","title":{"rendered":"Definition of valuables"},"content":{"rendered":"<p><img decoding=\"async\" class=\"alignright size-full wp-image-1166 lazyload\" title=\"definition-of-valuables\" alt=\"The definition of valuables under home contents insurance\" data-src=\"https:\/\/www.emberjd.com\/wp-content\/uploads\/2012\/02\/valuables.JPG\" width=\"200\" height=\"170\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 200px; --smush-placeholder-aspect-ratio: 200\/170;\" \/><noscript><img decoding=\"async\" class=\"alignright size-full wp-image-1166\" title=\"definition-of-valuables\" alt=\"The definition of valuables under home contents insurance\" src=\"https:\/\/www.emberjd.com\/wp-content\/uploads\/2012\/02\/valuables.JPG\" width=\"200\" height=\"170\" \/><\/noscript>Under home contents insurances valuables are usually defined as jewellery, watches, gold, silver, precious metals, gemstones, furs, pictures, curios and other works of art, stamp, coin and medal collections, televisions, radios, home computers, audio and home computer equipment. The reason for the definition is that valuables are more high risk than other general household goods and are targeted when there is a burglary. Valuables also have a higher cost than most other general contents. An insurer would consider a home to be an increased risk if has a high combination of valuables compared with the other contents, so for that reason they set a valuables limit to ensure that they are not exposed to unbalanced policies without their knowledge. <\/p>\n<p>The total valuables limit is usually one-third of the contents sum insured or \u00a35,000 whichever is the greater, with a single item of valuables \u00a31,500. This will vary from insurer to insurer. Most insurers can cater for higher total valuables and single item worth more than the single limit by specifying on the schedule. Your policy wording will detail the set policy limits applicable. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Under home contents insurances valuables are usually defined as jewellery, watches, gold, silver, precious metals, gemstones, furs, pictures, curios and other works of art, stamp, coin and medal collections, televisions, radios, home computers, audio and home computer equipment. The reason for the definition is that valuables are more high risk than other general household goods [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27],"tags":[15,68,8,19,67],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Valuables definition | Home contents insurance<\/title>\n<meta name=\"description\" content=\"The valuables definition under a home contents insurance, including the total valuables limit and the single item limit.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.emberjd.com\/emberjd-blog\/definition-of-valuables\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" 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