Wedding season kicks into high gear this month. Whether you’re planning your own big day or just planning to surprise your partner with a brand new piece of jewelry, you’ll want to make sure you have the adequate protection for your valuables. If you have questions about insuring your jewelry, consider the following:
Get Your Jewelry Appraised
Most jewelers can do this on site. Though they typically charge a fee, if you’re purchasing jewelry, this is often a free service for insurance purposes.
Work with Your Insurance Agent
Ask for a quote to cover your jewelry for the appraised value. Similar to car insurance, you may have options of a higher deductible to lower the price.
Ask About Multi-Policy Discounts
Just like you receive a discount for insuring your home and autos together, some insurance companies add additional discounts the more policies that you have with them! Never hurts to ask!
Skip the Appraisal with Blanket Coverage
Ask your agent about “blanket jewelry coverage.” Some insurance companies will add blanket “all-risk” coverage for items valued less than $10,000 without requiring an appraisal.
If you’d like to learn more about how we can help protect the symbols of your love or other important valuables, contact us today. We’re here to help make sure you’re enjoying your precious jewels for years to come.
