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Protect Your Jewelry InvestmentIt's Christmas time.  A time when many people, especially the ladies, are receiving gifts of shiny items with diamonds set in gold or platinum or fancy watches to wear on their wrists.  It's a happy time for sure but imagine losing that special ring or bracelet or necklace or earrings and not having any insurance to reimburse you for your loss. 

A multi-thousand dollar loss would be heartbreaking to say the least.  This struck one of my clients this past year and I know it can happen anytime to anyone so you need to be prepared.

Imagine a vacation to the beach this summer.  You take your ring off, just for a brief minute, to put sunscreen on the little ones. And, in the happiness of the moment and the excitement of you enjoying this relaxing time, you forget to put your ring back on right away.  It's time to go, you pack up your stuff and head off only to realize later that you lost your ring.  Your husband spends the next two days tearing the condo apart, renting a metal detector to scourer the beach but the ring is not to be found.

This scenario happens each summer and it did happen to one of my clients. 

Thankfully, through the advice of their agent (me), they scheduled this ring on their home insurance policy.  This broadened the coverage to include loss and mysterious disappearance of jewelry.  Within a matter of less than two weeks this client had their check and were on their way to replacing the ring.  Thank goodness for insurance, especially the right insurance.

Scheduling jewelry and watches isn't very expensive and several insurance companies now include a base level of jewelry coverage, including loss, as standard in the policy without paying extra.  Check with your agent to see what your policy covers or doesn't cover.  If you're not getting the right advice or answers from your agent feel free to contact my agency.  We'll be glad to assist you.

Author: Richard Morris

Richard Morris, an independent insurance agent in Chandler, Arizona, has been serving and helping Arizona families with all their insurance needs for over 23 years. Visit his website at to see all the ways he can help you with your insurance needs or call the office at (480) 336-2707 or toll free at (888) 907-9349. Connect with Rich on Google+ and Twitter.
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