Conquest Insurance

 

 

 

Personal Insurance, Blackfoot, ID

Unfortunately, many people who have antique jewelry and fine jewelry do not insure it properly, and a big segment of uninsured jewelry is jewelry gifts. It can often be an overlooked until the jewelry is lost or stolen. Here are two simple steps to help you make sure your fine jewelry, antique jewelry, and jewelry gifts are protected:


1. Gather Together all the Valuables You Would Like to Have Personal Insurance on:

Don't forget any fine jewelry that household family members have and any heirloom or antique jewelry. Once you have your jewelry gathered, take a picture of each piece. I will also be a good idea to get appraised any pieces that you feel would have a value that would be hard to determine by pictures alone. Make a list of the pieces and keep your list and pictures in a safe deposit box or other safe area along with any jewelry you will not be wearing on a regular basis.

2. Review Your Current Insurance to See What Coverage You May Already Have:

You may have some jewelry coverage currently if you have homeowners or renter's insurance. Check with your insurance agent and ask them how much coverage you have for your fine jewelry. Have specifics from your list on what types of jewelry you have and their approximate value.

Typical Personal Insurance Policies:


Renter's and homeowner's insurance policies set limits for the loss of certain categories of personal property, including jewelry. Homeowner's policies typically pay a maximum of $1,000 for jewelry theft. A renter's insurance policy might have a lower limit for jewelry loss--$500 is common.


Does your insurance policy cover jewelry loss for reasons other than theft--such as for lost or damaged items? Read your policy carefully and ask your insurance agent to clarify the types of losses that are covered on your standard policy.

Please call us today to assess your individual needs for Personal Insurance.

 

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