First, check inside your home insurance policy to see if your valuables such as jewelry are included, and how much to cover. Most insurance policies cover the house contained jewels, but only under certain circumstances. Sometimes, the insurance cover the loss of theft of jewelry, but not things like your engagement ring down the sink or down the road because his back loose.
Then check the amount of insurance you have is sufficient. If the value is just an expensive engagement ring, most likely, you have adequate coverage in its housing policy and content. But if you have other jewelry may also need additional coverage. Basically, you should try to ensure that all the gold, diamonds and precious stones.
Approximately $ silver jewelry to ensure, in particular large-sized pieces.
Take your jewelry to a jeweler or an independent expert reputation, jewelry, and learn to appreciate the value and obtain the written evaluation, each piece presented separately. Note that when you make a claim, insurers generally pay for a replacement, which largely depends on the value of the jewelry, which varies with the price of gold and stone you have in your jewelry. Unable to retrieve the exact value quoted in the assessment. Keep the pictures of all her jewels and if you have them, to keep the original sales receipt. Try to ensure that the date stamp on the photo and / or video. If the camera does not have a date function, you can always put a note with the date of the next to jewelry to ensure the date is shown in the picture.
If the current coverage is insufficient jewelry, ask your insurance provider if the content can increase coverage. You can also take out a separate insurance policy just for the jewels – Improve the quotes and compare if it is more convenient for obtaining coverage independently or extend existing internal content. The insurance broker should be well able to get all the quotes for you.
Another thing to consider if you have a large amount of jewelry, consider the cost of a safe at the bank. If your jewelry collection is particularly important, and may be cheaper to keep her jewelry in the bank for a fee, to ensure that the jewels kept in the house.
