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It may surprise you to learn that they may not be covered by your existing policy.  Virtually all homeowners or renters insurance policies provide coverage for personal property in case of theft or damage.  However, the loss limit on certain items is often only $1000.  If you have an item or collection that is more expensive than a $1000, it is a good idea to get a rider added to your policy or a separate policy to cover specific item or items.  We encourage everyone to review their policy annually to avoid any gaps in coverage.    

With Christmas and Valentines Day behind us you must be asking yourself…  Are my new jewels covered?  Or not…  
For those who were lucky enough to have received new jewels, you need to call your insurance agent.  Virtually all homeowners or renters policies include some jewelry coverage, but it typically only covers up to a $1000.  Or you may have something that is even more precious to you then new jewelry.  Family heirlooms, Art, Collectibles, Antiques, some of these things just can’t be replaced in our hearts.  However, compensation for the loss allows you to replace it with something that can stand in as a reminder of the lost item, and perhaps its history.  As daunting a task as it is everyone should review their policy with their agent once a year.  It is literally the difference between something and nothing. 
Posted 1:55 PM

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