Jewelry Insurance

Once you have chosen that oh-so-special piece of jewelry, you will want to insure it. This type of insurance covers your precious trinkets from theft, loss, mysterious disappearance and damage. The typical homeowners policy will offer limited jewelry protection and often excludes breakage or loss.
If you happen to experience loss or damage to a piece of jewelry, you will have no our of pocket payment of any kind. So, unless you choose one, there will be no deductible to deal with.
Regular inspections of your insured items is recommended. This is done for a few reasons. First of all, each time your item is inspected, you can be notified of small problems such as faulty clasps or loose stones before that small problem becomes a big one. Also, over time, most jewelry values increase so these routine inspections will maintain current values as well as adequate protection for your jewelry. Another benefit to inspections is to have your items cleaned and after all, that engagement ring should always shine as bright as the day you got it.