The best things come in small packages. This is especially true if your beloved jewelry pieces are among your most prized possessions. If the worst does happen to those packages, you’re going to want the right protection to fall back on.


How to select the best jewelry insurance coverage.


The best way to insure your jewelry is through your homeowners or renters insurance policy. Whether you’re looking to insure your useful Apple watch or a necklace your grandmother gave you, your standard home and renters insurance has you covered. Your policy will help to reimburse you if your jewelry (or other belongings) gets lost or damaged due to theft, vandalism, fire, and other covered perils.


Keep in mind that your policy does not cover wear and tear. That means if your watch face gets scratched, your policy can’t help you out. The same goes for redipping your jewelry – you will responsible for associated costs.


It’s also worth noting that your home or renters insurance policy will cover you – up to a certain point. Every policy will have its limits. If your jewelry value exceeds the limit of coverage, then you will be on the hook for covering your bling. Valuable items should be scheduled under your policy, which means they will have more protection to cover their value if the worst happens. High-ticket items are more likely to be stolen, so consider which pieces you’ll schedule.


Now that you know how to insure your jewelry correctly, it’s time to call the professionals at Kneller Agency. Our team can help you accurately secure the right homeowners insurance in Hudson and beyond. Contact us today to get started.

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