It is important to know that just because you have home insurance, your jewelry are not covered automatically. It is best to call your broker to discuss issues and you need to program them.
If you go forward, some insurance companies require an assessment, while some do not. Often the store where you bought your jewelry will offer free assessments. Remember that the most important thing about an evaluation is to provide accurate documentation and accurate replacement values.
In addition, some insurance companies have global coverage available for purchase. Remember that all the elements that are valuable to customers should be discussed with the broker to ensure that in the event of a loss, they are not under insured. Also - when the item is expected, it is normally a deductible that must be paid
Over time, the value of jewelry and gems can fluctuate .. To jewellry, an outdated assessment could mean that you could be insured for less than the replacement value. This could mean a significant financial loss and perhaps sentimental. All companies have limits or maximum amounts they pay for jewelry, most of them are between 6-10k. In the end to make sure you are jewellry is adequately covered, talk to your dealer.
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