how do you insure jewelry?

Answer 1

It depends some of your jewelery may be covered under your renter's or home owner's insurance policy, it may be worth insuring your jewelry separately if the value exceeds that covered on your other policies.

Have all of your fine jewelry appraised by an independent appraiser. Make sure each item is listed, described and valued on paper.

Read your home owner's or renter's insurance policy to find out the amount of coverage it provides for items such as jewelry. The best insurance will cover loss, theft and damage.

Rates for personal jewelry insurance may vary according to your state or country, and you can select coverage with or without a deductible.

Talk to your insurance agent adding a rider to your home owner's policy to cover jewelry that goes beyond the value of personal property covered in the basic policy. You can also ask about taking out a separate policy on your valuables

Beyond having insurance, to keep your jewelry safe you should store it in a personal safe or in a safety deposit box.

Having photos of jewelry items is also important, as lost or stolen pieces can sometimes be recreated on the basis of a good photograph.

Answer 2

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