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The following article was published in our article directory on May 26, 2012.
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Tips in Insuring Fine Jewelry

Article Category: Shopping

When you purchase fine jewelry, this usually has insurance. There are those merchants that do not offer insurance thus the price of the jewelry is lesser. However it is better to insure your precious stones and metals so that should they get stolen or lost, the insurance company would give you payment to buy a new one. The usual insurance policies for jewelry are included in homeowner's and renter's policies. With a homeowner's policy, the highest payment for jewelry theft is $1,000 while with the renter's insurance policy, the lowest payment for loss of jewelry is $500.

If you own or are renting a property, check if your homeowner's or renter's insurance covers for jewelry theft, loss and damage. Find out how much coverage is stated should your valuable pieces get lost, get damaged or get stolen. If you do not understand some of the terms and conditions of the policy, ask help from your insurance agent or lawyer. They would be able to explain the kinds of losses stated. If these insurances do not cover jewelry, ask your agent if you can insert a rider in them for your jewels to be covered.

Have separate insurance for jewelry. Look for them through the internet and you will see several insurance companies that offer such services. Go for the coverage that meets your needs that either has or does not have a deductible. The state or country you are in will determine the rates in insuring your fine jewelry.

To insure your fine jewelry, let an independent appraiser assess them. Get a notebook and write down each jewelry item to be appraised. Describe them and how much they are worth.

When buying additional insurance, there are some things you need to ask your agent regarding your coverage. Know if there is a deductible and its amount. Ask the consequence if you lower or increase the deductible. You should also inquire if there is a need to appraise your jewelry before purchasing insurance and if the insurance company only allows reports from certain appraisers. Find out if coverage includes the jewelry getting lost outside of the city, state or country. Ask if expenses for full replacement can be availed of, if they offer a cash settlement or replacement of the item, and if their policy includes damage.

Choose five insurance companies and compare their reputation and quotes. Look for the policy that provides the utmost flexibility and the best coverage for jewelry replacement.

Aside from insurance, make sure you keep your fine jewelry safe by placing them in a personal safety deposit box or a vault. Take a picture of all your pieces so that if they get lost or stolen, you will have evidence that you used to have such pieces. Make it a point to inspect and assess the value of your jewelry and keep the documents as evidence of their worth. Should they get lost, stolen or damaged, you could at least claim the right amount to buy a new set.

Although your fine jewelry pieces have sentimental value and you would not want to lose them, have them insured so that they can be replaced thus lessening the pain you feel.

Keywords: fine jewelry

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