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It only takes a matter of seconds for a thief to swipe valuable jewelry, but that beautiful ring or bracelet can also lose stones, or be subject to dents and scrapes.  Did you know you need to add coverage for new jewelry items as most policies only cover 1500 on the base policy?

Prevention is key, and in taking the proper security measures, that beautiful Valentine’s Day gift can be protected. Protect your jewelry from damage and theft with these 8 tips:

  1. Don’t place your jewelry in jewelry boxes or dresser drawers. These places are common to store jewelry, but their commonality makes them the first place that a thief will look. Keep your jewelry in a safe that is fire resistant, UL rated, torch and tool resistant, bolted to the structure and keep it in an area of the home that is not easily accessible. The best place for jewelry storage is an off-site bank safe deposit box. This is a great option for your most valuable jewelry.
  2. Have your jewelry appraised by a qualified jewelry appraiser to keep the value of your insurance coverage up to date.
  3. Know who has access to your jewelry. There have been several cases of domestic employees stealing jewelry from their employers in the news lately. Being aware of who has access to your jewelry collection, and having background screenings on domestic employees will help prevent any mishaps.
  4. Take precautions when you’re wearing gloves. Prongs from rings may catch on the fabric, which could result in loss.
  5. Don’t place jewelry in your pockets. If your pockets open, or you run your clothes through the wash, you’re at risk of losing jewelry.
  6. Keep jewelry away from sinks, counters and public areas. Setting the jewelry beside the sink when washing your hands or doing the dishes could result in loss, or it could be forgotten or stolen.
  7. Prevent damage by removing your jewelry. When performing outdoor activities, including playing sports or doing lawn work, remove your jewelry to avoid damage and place it in a safe location.
  8. Have your jewelry regularly inspected. Bringing your jewelry to your jeweler for regular inspections will help you to prevent any damage. Making sure the mountings and prongs are checked once a year can help avoid any loose stones, and prevent  accidental loss.

Suzanne Brown Insurance Agency

A Texas Independent Insurance Agency with over 40 insurance carriers


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