Your jewelry has a retail value and most importantly, a sentimental value. Homeowner insurance often times provides a basic amount of insurance for replacement upon theft of jewelry. However, does the basic amount give you what the retail value of the jewelry is really worth?
Not having adequate coverage for your jewelry could impair the amount that could be collected for a covered loss. Specifically scheduling jewelry on a homeowner policy protects against the loss of this important item. This endorsement removes the limitation found in the basic policy for that piece of jewelry that is specifically scheduled. Quite often, there is no deductible for the loss of your scheduled item and the coverage is broader than what is found in the basic homeowner policy.
Call us today to list your jewelry so that your sentimental items are adequately protected!