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Your jewelry is likely underinsured.   Your home insurance has a sublimit for special categories like jewelry usually 500 to 2500 depending on your policy form. 

With gold and gemstone values going up,  the cost to replace a ring today will likely cost more than when you first purchased it.

Have you evaluated your jewelry assets to determine if you have enough coverage?

Jewelry can be insured on a personal articles floater or endorsed on the home owners on a valuable items blanket endorsement.

The best coverage for your jewelry is when you schedule or list the item with a full description with the appraised value.  When you schedule the item, you will receive the value you insure the item for.  It upgrades the coverage to worldwide coverage with cost for theft, mysterious disappearance and damage in most cases. 

If you insure the item on a blanket endorsement, you may not receive the appraised value as the carrier will pay replacement cost which can be lower than appraised value.

Please contact your insurance agent to discuss your coverages and determine if you need more.

uzanne Brown Insurance Agency

A Texas Independent Insurance Agency with over 40 insurance carriers

www.SuzanneBrownAgency.com

281-558-2210

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