“…But my homeowners insurance covers my jewelry”
Yes, your homeowners insurance does – but do you know depending on your policy, some of these limits may be “capped” for certain types of claims?
For example: your ring is stolen. The appraised value is $5,000. However, your insurance policy may only provide $1,500 for coverage on stolen jewelry. Your policy has a $1,000 deductible. Settlement = $500 for your $5,000 ring!
This is why scheduling your jewelry and other valuables is very important. Scheduling takes the guesswork out of claims – your item is insured for a stated amount and for most classes of property, no deductible applies.
Consider this important coverage for:
- antiques and other rare items
- silverware, china, crystal
Our agents will be happy to assist you in deciding the best way to protect your valuables.