for high-value collectors
The valuables your policy underinsures by default.
Jewelry, art, watches, wine — the pieces worth the most are the ones a standard policy caps the lowest. This documents each one individually, with a real value and timestamped proof, so you find the coverage gap while you can still close it.
The items policies quietly cap
Most homeowners and renters policies apply a special sub-limit to jewelry, watches, fine art, and collectibles — often a few thousand dollars total, no matter how much you actually own. A single ring or painting can exceed it. The scan flags items whose value crosses that kind of threshold, so you know which pieces need a scheduled rider before a loss, not after.
A current value, not a guess
Each piece gets a depreciation-adjusted current value where that applies, and an appraisal-needed flag where it doesn't — because a 30-year-old watch or an original artwork isn't a depreciating appliance. The point is an honest, defensible number per item, not one lump sum an adjuster will argue down.
Proof that predates the claim
Photo evidence of every piece, cryptographically timestamped at scan time, establishes you owned it and what condition it was in — the single hardest thing to prove for a valuable after it's stolen or destroyed. Re-scan after an appraisal or a new acquisition to keep the record current.
Worth being direct about scope: a flagged high-value item still needs a real appraisal and a scheduled rider added to your policy by your insurer — this tells you which pieces need that conversation and gives you the evidence to start it, but it doesn't issue coverage itself.