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Everything You Need to Know About Insuring Your Jewelry
Homeowners Insurance | Insurance Essentials
By Nina Cutter
February 16, 2024 3 minute read

Owning jewelry is about more than just the joy of accessorizing; it's about preserving pieces that hold significant value and meaning. Protecting these items requires understanding your insurance options to ensure they're covered against loss, theft, or damage. This guide offers clear, actionable advice to navigate jewelry insurance effectively. 

Understanding Your Current Coverage

While homeowners, renters, or condo insurance policies do include coverage for personal belongings, including jewelry, there's an important limitation to be aware of. These policies often set a maximum coverage amount for jewelry that might not cover the full value of high-end or sentimental pieces. Identifying this coverage gap is essential to ensure your valuables are adequately insured.

Enhancing Your Insurance with Endorsements

An endorsement is essentially an addition to your existing insurance policy that allows for increased coverage on specific items, such as jewelry. By adding an endorsement, you're providing detailed information about each piece of jewelry, including its value, to ensure you receive the appropriate compensation if you need to make a claim. This customization ensures that your most valued items are fully protected at their true worth.

Choosing a Floater for Extra Protection

For items of considerable value, a personal articles floater is often the best option. This is a separate policy designed specifically for high-value personal items like jewelry. Floaters offer comprehensive protection, covering a wide array of risks and usually without a deductible. This means that in the event of a loss, you can be compensated without having to pay out of pocket first. It's an effective way to secure tailored coverage for your most precious jewelry.

Regular Policy Reviews to Stay Current

As the value of your jewelry may change over time and your collection may expand, it's important to regularly review and update your insurance coverage. Keeping your policy aligned with the current value of your jewelry ensures that you are fully protected. An annual check-in with Chalmers is a good habit to maintain, ensuring your coverage remains relevant to your needs.

Simplifying the Process

To effectively protect your jewelry, start by cataloging your items and their values. Call us to discuss the possibility of adding an endorsement or a floater policy to ensure your coverage matches the value of your possessions. The goal is to secure comprehensive, cost-effective protection for your jewelry.

Our team is committed to providing you with the information and support needed to navigate your insurance options. For further assistance or to explore your jewelry insurance options, contact us at 800-360-3000. We're here to help you protect what matters most, ensuring your valuable jewelry is insured against unexpected events.

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