Can VPP Cover Expensive Purses?

Does anyone know if VPP can cover high-end purses? Some purses these days can go over $2,000, and some even over $10,000. I noticed that VPP covers things like furs, sports equipment, cameras, and firearms. Even jewelry has a max of $2,500 for collections.

So, will USAA cover something like my wife’s pricey Chanel purse if it’s stolen or lost?

Maybe just skip buying those crazy 10k purses, problem solved!

I heard from a friend who works there that they’re adding more items to VPP soon, like handbags, sports gear, and bikes.

You used to be able to insure designer bags under VPP. My ex-wife had a bunch of high-end bags, and we had them covered under a USAA VPP policy. We just had to show receipts and appraisals. Each bag was covered for its specific value. The $2,500 jewelry limit is just the basic limit, but you can get more coverage if you submit appraisals to set the premium.

@Hadi
Sounds like my experience with art and jewelry. Though I have to admit, I’ve never owned a purse that expensive!

@Hadi
Just checked. As someone who works with VPP policies at USAA, I can confirm that purses are not covered under VPP. They might fall under personal property if you have a home or renter’s policy.

Blaze said:
@Hadi
Just checked. As someone who works with VPP policies at USAA, I can confirm that purses are not covered under VPP. They might fall under personal property if you have a home or renter’s policy.

Got it, thanks for the update! That was a while back.

Purses aren’t covered under VPP.

Frost said:
Purses aren’t covered under VPP.

Not true. You can add items to a VPP policy if you have the right value documented. I have several designer bags on a policy. Same for watches and jewelry, but not with USAA anymore. They refused to cover a missing stone in my wedding ring.

@Joss
I checked USAA’s VPP guidelines—purses aren’t covered.

Blaze said:
@Joss
I checked USAA’s VPP guidelines—purses aren’t covered.

USAA doesn’t even have ‘agents.’

Joss said:

Blaze said:
@Joss
I checked USAA’s VPP guidelines—purses aren’t covered.

USAA doesn’t even have ‘agents.’

Guess I’m just imaginary, then :joy:

Blaze said:

Joss said:
Blaze said:
@Joss
I checked USAA’s VPP guidelines—purses aren’t covered.

USAA doesn’t even have ‘agents.’

Guess I’m just imaginary, then :joy:

Maybe you work in policy services, but yeah, no ‘agents’ at USAA :joy::joy::joy:

@Joss
Lol

Frost said:
@Joss
Lol

Do you actually work there?

Joss said:

Frost said:
@Joss
Lol

Do you actually work there?

Nope, just a guy with a wife who loves purses.

Frost said:

Joss said:
Frost said:
@Joss
Lol

Do you actually work there?

Nope, just a guy with a wife who loves purses.

Well, I’m a woman and I worked there for 16 years. If they changed it, it happened after I left recently. Dealing with rude comments like this is why people push back nowadays.

@Joss
USAA hasn’t insured purses through VPPs for at least the last two years. Also, people in customer service are technically licensed agents. Did you work in another area? Making these claims without experience in insurance is risky.