Jewelry inherently holds a lot of value. Necklaces, heirloom rings, brooches containing precious stones—these items not only have a lot of monetary value attached, but they also have significant meaning to you personally. You want to protect and preserve them, and, to do that, you will need the essential protection offered by jewelry insurance.
If you are looking for jewelry insurance in Petaluma, CA, then just come to Don Ramatici Insurance. We are committed to helping you protect these coveted items in all of the best ways.
What is Jewelry Insurance?
Standard homeowners insurance often does not provide adequate possessions coverage for jewelry of value, which is why specific jewelry insurance is essential for anyone who has pieces they want to protect.
Jewelry insurance will provide coverage for nearly all types of jewelry, including necklaces, bracelets, earrings, rings, watches and more. Generally, it covers you against numerous circumstances, including:
- Loss and disappearance
- Hazard loss
Jewelry coverage is not the same as jeweler warranties, and, in many cases, they are far more extensive in what they will cover too. Plus, they are usually very affordable, particularly given the amount of coverage they offer for the value.
Do I Need Jewelry Insurance?
If you have a piece of jewelry that is particularly valuable to you, you might want to consider jewelry insurance. It will always be a fraction of the cost value of the items themselves and will help you save significant money in case of an unfortunate loss of property.
Many people buy their jewelry insurance through a stand-alone policy. Others, however, add specific pieces to their homeowners or renters insurance policies as endorsements. The latter is an efficient way to insure individual items against loss. However, there will be limitations attached to scheduled items riders, which is why a separate jewelry insurance policy will be better for those who have items of particularly high value that they want to insure against a greater number of loss scenarios.
Get Jewelry Insurance Today!
In certain cases, jewelry insurance policies can cover worldwide travel or offer discounted premiums for storing your jewelry in a bank vault. It’s important to speak to an agent at Don Ramatici Insurance to understand what jewelry insurance options are available for you.
Losing a valuable piece without any recourse can be catastrophic. Contact us for a free jewelry insurance quote today to make sure your valuables are protected.