{"id":2678,"date":"2020-03-23T19:20:39","date_gmt":"2020-03-23T23:20:39","guid":{"rendered":"https:\/\/fsilverman.com\/?p=2678"},"modified":"2023-10-26T17:33:11","modified_gmt":"2023-10-26T21:33:11","slug":"how-to-insure-your-jewelry","status":"publish","type":"post","link":"https:\/\/fsilverman.com\/rrstage\/jewelry-care\/how-to-insure-your-jewelry\/","title":{"rendered":"How to Insure Your Jewelry"},"content":{"rendered":"
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Worst case scenario: you come home from a night out and your home has been broken into. All your valuables are stolen, including your beloved jewelry. Or, you\u2019re walking down the street and your wedding band or engagement ring suddenly slips off your finger and into a sewer drain. <\/p>\n\n\n\n

What do you do in horrible instances like these? How can\nyou possible replace your precious pieces? That\u2019s where jewelry insurance comes\nin. <\/p>\n\n\n\n

Check Your Current Insurance Policies <\/h2>\n\n\n\n

Unfortunately, accidents and crimes happen all the time,\nmaking it necessary to protect yourself and your jewelry with insurance.\nHowever, in many instances, jewelry is already covered by homeowner and renter\ninsurance policies. <\/p>\n\n\n\n

Many policies cover $1,000 to $15,000 of unscheduled personal property, and other\npolicies go even higher. This means that the policy will only cover up to\n$15,000 in lost or damaged property like electronics, furniture, and jewelry\nall together.  <\/p>\n\n\n\n

Scheduled Jewelry Insurance<\/h2>\n\n\n\n

What if your fine jewelry<\/a> is worth more than what your existing policy will cover? You can get scheduled jewelry insurance in which an item is insured separately from other property. You can attach a scheduled policy to an existing plan or can get one completely separate. <\/p>\n\n\n\n

While prices vary depending on insurance provider\nand location, scheduled jewelry insurance can cost between $1 and $2 per $100\nworth of jewelry every year. In other words, you would pay about $200 to $400\nper year to insure jewelry worth $20,000. <\/p>\n\n\n\n

What You\u2019ll Need to Insure Your Jewelry <\/h2>\n\n\n\n

There are a few items you will need in order to take\nout an insurance policy on jewelry. <\/p>\n\n\n\n