Using the Valuable Item and Collectible Elements

Valuable Item

Use this for anything you'd want separately insured or formally appraised — fine jewelry, art, or anything with significant standalone value. It marks the item as "separately insured / scheduled" and opens the Valuation section automatically.

Valuation fields include appraised value, insured value, replacement cost, appraiser name, and appraisal date. You can also attach a formal Appraisal Document directly to the item — this is a Pro feature.

Collectible

Use this for anything collected as part of a set or graded for condition — coins, trading cards, memorabilia. It opens the Special Designation section, with fields for grade, edition, and provenance (where the item came from, its history of ownership).

Why these matter for insurance

Standard homeowners or renters policies often cap coverage for these categories well below their actual value. Documenting them with a formal appraisal and provenance is usually a prerequisite for scheduling them separately on your policy — this is exactly the documentation the High-Value / Scheduled Items export format is built around.