Christmas is a popular time for new
jewelry purchases. Between engagements,
holidays, and all of those jewelry sales, it seems like everyone has a few new
trinkets by the time January rolls around.
If you’re investing in a new ring or
receiving any special jewelry, then there are a few things you need to know
about jewelry insurance! Let me help….
Jewelry is part of the Contents
coverage on your Home or Renters policy.
It is covered on a basic level, but it’s usually not enough coverage if
you have several nice pieces. (This
varies by policy so call us to find out exactly how much coverage you
have.)
But there is a special coverage you
can ADD to your policy to insure each piece of jewelry! It’s called “scheduled personal property”.
You simply send us a copy of the
appraisal (sometime’s a receipt will work too) and we can tell you exactly how
much it will cost to insure it. Many
times it’s less than $20-30 per year!
(It really depends the value.)
We can also discuss how this coverage
protects you if you lose the jewelry and if you’ll still owe a deductible.
Even if you don’t want to insure each
piece of jewelry you own, you can still increase your overall jewelry coverage
to make sure that there is enough to protect your collection. You will still want to add photos,
descriptions, and appraisals or receipts to your Home Inventory!
The holiday season is a magical
time! Make sure that your beautiful
gifts are protected. Call us today to
get started!
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