Insurance Protection For Your Jewelry

Investing in the right homeowners insurance policy is the best way to ensure that all of your assets are protected from any unfortunate situation. However, if you have any valuable jewelry, your existing homeowners insurance policy may not provide enough coverage. Keep these tips in mind to ensure that all of your jewels are properly protected.

• Review your coverage – look over your insurance policy to see what the limits are for your jewelry coverage. You may be able to simply increase your coverage to provide the right amount of protection for all of your jewelry.
• Schedule items – when you schedule your items, you will get more coverage than what is offered by typical homeowners insurance policies. When you schedule items, you will need to get them appraised or show proof of their value, meaning with a receipt. Scheduled jewelry will be protected in case they are lost, stolen, or if one of the jewels falls out of the piece.
• Invest in blanket coverage – if you have many different pieces of jewelry that are not extremely valuable, you may want to consider investing in a blanket coverage option. Blanket coverage will provide extra protection that goes beyond your homeowners insurance, but not quite as much as if you were to schedule your items.
• Create an inventory – having an up to date inventory for all of your jewelry will help to make sure that you will be properly reimbursed if any of your items are damaged or destroyed.

For all of your homeowners insurance coverage needs and to ensure that your jewelry will be properly protected, contact the insurance professionals at Martplan Insurance Agency in La Habra, California. As an independent insurance company, we will work with you to ensure that all of your valuable items have the right amount of coverage, all at the right price.