Jewelry refers to decorative items worn as accessories, typically made from precious metals such as gold, silver, or platinum, and often adorned with gemstones, diamonds, or other valuable materials. Jewelry includes a wide range of items such as rings, necklaces, bracelets, earrings, brooches, and watches, and is often worn for personal adornment, cultural significance, or as a form of expression or symbolism.

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Can You Afford to Replace that Ring, Bracelet, etc.?

Losing a sentimental or expensive piece of jewelry without the means to replace it can be devastating. Unlike typical home, renter, or condo insurance policies, which often have low coverage limits for jewelry, insuring valuable items like engagement rings may require additional coverage to bridge potential gaps in protection.

Do You Really Know What You Have in Your House? Tips for Creating a Home Inventory

Creating an inventory of all your possessions may feel daunting amidst our hectic schedules and abundance of belongings. However, this step ensures adequate insurance coverage for your personal property and expedites claim settlement, increasing the likelihood of reimbursement in case of loss.

How Often Should Jewelry or Other Scheduled Valuable Appraisals be Updated?

For high-value items like jewelry, antiques, and fine art separately covered on your home policy, providing appraisals or receipts establishes insurance limits. While initial valuations may seem sufficient, it’s essential to periodically update appraisals due to potential shifts in values over time.

What is Your Jewelry Worth? When Should You Update Appraisals?

Valentine’s Day approaches, often marked by the exchange of jewelry as a symbol of love. While insuring every piece may not be practical, it’s advisable to consider insurance for expensive items, particularly those worn frequently.