Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident, or natural disaster.
Are your most prized possessions properly covered?
Most homeowners insurance or renters insurance policies have a limit on how much they will pay for any single item. While this is fine for most possessions, it can mean you won’t get the full amount for expensive items such as jewelry or artwork. That’s where jewelry insurance comes in.
Ensures you get the actual value to replace what you cover
A jewelry policy has other benefits, in addition to making sure you are adequately covered. For example, you can get coverage based on the actual replacement value of the item that you are insuring rather than a generic market price. It’s well worth getting regular valuations and keeping your policy up-to-date to reflect these figures.
Additional coverage for accidental damage
Jewelry policies may also have the option of covering accidental damage to expensive items like jewelry or artwork–something that isn’t always on option with homeowners insurance.
Covers what homeowners insurance alone cannot
Another option worth considering with jewelry insurance is coverage that isn’t restricted to your home. For example, a homeowners policy often won’t cover loss or damage to jewelry that you wear out of the house–whether that’s a necklace on special occasions or an engagement ring you wear every day. Jewelry insurance policies will often have the option to cover such losses.
Why Do People Choose Us?
Insure Beacon has over 25 years combined experience in the independent insurance industry. We proudly serve our clients in the states of Alabama, Georgia, Mississippi, & Tennessee.
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