High Value Items Insurance Market Report 2026

The high value items insurance market size has grown strongly in recent years. It will grow from $7.03 billion in 2025 to $7.52 billion in 2026 at a compound annual growth rate (CAGR) of 7%. The growth in the historic period can be attributed to growth in ownership of luxury goods, rising awareness of underinsurance risks, expansion of private wealth portfolios, development of specialty insurance products, increasing use of professional appraisals.

The high value items insurance market size is expected to see strong growth in the next few years. It will grow to $9.71 billion in 2030 at a compound annual growth rate (CAGR) of 6.6%. The growth in the forecast period can be attributed to increasing demand for high-net-worth insurance solutions, rising digitization of policy administration, growing focus on personalized coverage terms, expansion of online insurance platforms, increasing use of data-driven risk assessment. Major trends in the forecast period include increasing demand for customized coverage valuation, rising adoption of digital policy management, growing focus on fraud detection and prevention, expansion of appraisal-based insurance models, enhanced emphasis on asset traceability.

The rising incidences of theft and burglary are expected to drive the growth of the high-value items insurance market in the coming years. Theft involves illegally taking another person’s property, while burglary refers to breaking into a building or space to commit a crime, usually theft. The increase in these crimes is linked to economic hardships, which can push individuals toward property crimes for financial survival. High-value items insurance provides protection by reimbursing the cost to repair or replace valuable belongings stolen or damaged during such events, helping owners avoid significant financial losses. For example, in April 2025, the UK Office for National Statistics reported 81,135 robbery incidents in the year ending December 2024, with robberies involving business properties rising 54% to 14,707 cases, highlighting the need for protective insurance solutions.

Companies in the high-value items insurance market are increasingly integrating digital innovations, such as embedded insurance, to enhance customer protection and streamline coverage. Embedded insurance allows consumers to access and purchase insurance directly at the point of transaction, without visiting a separate platform, ensuring seamless coverage aligned with the purchase moment. For instance, in May 2024, Arta Shipping Inc., a US-based e-commerce technology company, launched Valuables Insurance in partnership with Chubb Limited, a Switzerland-based global insurer. The product is embedded into checkout flows for collectibles, art, jewelry, and luxury goods, providing instant coverage options and enabling effortless policy issuance, updates, and management.

In April 2025, Jewelers Mutual Group, a US-based provider of insurance and business solutions, acquired Jewellers Loop for an undisclosed sum. This acquisition allowed Jewelers Mutual to expand its presence in international markets and leverage its expertise to serve a global customer base. It also strengthened product offerings by combining technology, deep customer insights, and tailored insurance solutions for valuable jewelry. Jewellers Loop, based in Australia, specializes in high-value items insurance, particularly for jewelry.

Major companies operating in the high value items insurance market are Chubb Group of Insurance Companies, Arthur J Gallagher, Hiscox Ltd., HighStreet Insurance Group LLC, NFP Corp., Marsh Private Client Services, Oswald Companies, AXA Art Insurance, Beazley Group Ltd., Lloyd & Whyte Ltd., Clements Worldwide, Atlass Insurance Group Inc., Jewelers Mutual Insurance Company SI, Nowell & Richards Insurance Services Ltd., Hepburns Insurance Group, Chelsea Insurance Brokers Ltd., RS Risk Solutions Ltd., GemShield LLC, PINC Insurance Corp., Cox Mahon Ltd.

North America was the largest region in the high value items insurance market in 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the high value items insurance market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the high value items insurance market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The high value items insurance market includes revenues earned by entities by item appraisal assistance. agreed value settlements, risk management consultation, and claims assistance. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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