The Basics of Jewelry Insurance

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Jewelry is a major investment and you will want to insure your collection to protect it against theft, damage or loss. Jewelry insurance may be the finest method to ensure the safety of your heirlooms and secure your investment in the precious metals and gems. In this post, Long Island Insurance Executive, Gregg S. Marcus,  discusses additional jewelry insurance and why it is so important to any jewelry collector.

If you have a homeowner’s insurance policy or renter’s insurance, you already have some jewelry insurance. That’s because these policies include coverage for unscheduled personal property — which includes jewelry. Typically, however, such coverage is limited to the perils covered and lower dollar amounts on theft losses, as well as by various exclusions. If you own higher value fine jewelry (valued over $1,000), your homeowner’s insurance will likely be inadequate. For jewelry that is not adequately covered by a homeowner’s policy, additional kinds of coverage are available. The coverage is called scheduled jewelry insurance, which covers specific items by what is often referred to as a “floater,” which may or may not be tied to a homeowner’s policy. These policies offer much broader coverage, very few exclusions, and higher limits.

Before looking at insurance, it is recommended to always get the jewelry appraised by an independent, third-party licensed jewelry appraiser who has no interest in the sale of the jewelry. An appraisal is mandatory for effective coverage. It is a written document that attests to the jewelry’s characteristics, qualities, and value, which are determined through objective scientific analysis. Avoid appraisers that charge for their services based on a percentage of the jewelry’s value. A reputable appraiser charges a fee that you will know before the appraisal is prepared.

In order to insure your jewelry, you should have a sales receipt and an appraisal and photo. In the case of older jewelry or gifts that do not have accompanying paperwork, we recommend getting a written appraisal. If you have antique jewelry, this can also be insured, as long as its characteristics, qualities, and value can be determined. If there are no records or adequate documentation available that provide such information, an appraisal will likely be necessary.

If you live in Nassau County or Suffolk County on Long Island in New York and need homeowner’s insurance or a jewelry-specific policy, contact Gregg S. Marcus today for a quote. He can help you protect your most precious jewelry items and family heirlooms.

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