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R&R Insurance Blog

Bling for Valentine's Day - Make Sure It's Covered

Posted by the knowledge brokers

iStock-505780130.jpgWhether you popped the question on Valentine's Day or perhaps gave your sweetheart a special piece of jewelry this year,  it's important to make sure that the gift you are gave (or received) is protected.

Here are a few simple steps to make sure you're documenting and protecting your jewelry:

  1. Have it appraised and continue to do so every few years.
  2. Keep your receipt and store the appraisal with your home inventory.
  3. Take a picture of it up close, keep this with the receipt and appraisal.

Most homeowners policies limit coverage for personal valuables such as jewelry. Therefore, if your item is not listed on a "schedule" or "rider", you could fall far short of replacement value if your item is lost or stolen.

Below is a great resource for finding an appraiser:
National Association of Jewelry Appraisers (NAJA)

Wisconsin residents interested in a free homeowners policy review, contact a KnowledgeBroker.