Whether that special piece of jewelry is an antique or brand new insuring it should be a top priority. However, before insuring your jewelry, you should have items appraised to ensure you have suitable coverage for your valuables, some of which might be treasured family heirlooms.
Since homeowners’ policies limit the amount of coverage for jewelry, your valuables need to be appraised and then added as a floater to your homeowners’ policy. This will make certain that the items you value are properly covered.
Factors considered during an appraisal include whether an item is made of precious stones; the cut, clarity, color, and weight of the gems; the amount of gold or silver in an item; and whether the jewelry is an estate or modern price.
We have made a special arrangement with Christian Jewelers of Lincoln. Simply mention that you are a Hunter Insurance customer and receive a 10% discount on appraisals.
For more information, call Hunter Insurance at (401) 769-9500.