Insuring your jewelry

Protect those Valentine's Day Sparklies! 

  Picture it. Valentine's Day. Dinner at her favorite restaurant with wine or maybe even Champagne. You ask her if she wants to take a walk after dinner. You walk down to the bridge. And with the moon overhead, you get down on one knee and bring out that velvet box with the ring. She says "Yes!". Life is grand.
   Flash forward a few years. You have the house with the white picket fence, great neighbors and Junior is playing in the back yard with Fido. You surprise your lovely wife with an anniversary cruise (and your in-laws are taking Junior and Fido for the week!)  Life is grand.
   While you are on your trip, your house is broken into. Your big screen TV. Your computer. Your printer. Gone. Then your wife remembers - "I didn't take my wedding rings with me. I was afraid I might lose them on the ship!" She runs to the bedroom and sure enough, her jewelry is gone. Most of it is costume, but that wedding set- you had that custom made. You begin to worry. The police give you a copy of the police report and tell you your insurance company will want that for the claim. Insurance! Of course! You have a solid homeowner's policy. Your stolen items can be replaced. Life is grand!
   You call your insurance agent. You explain about the break in. He asks you for an itemized list of what was stolen.You fill out the home inventory list he sends you. He calls back to let you know everything is covered, except the wedding rings. Your policy only covers up to $2500 for jewelry. The wedding set was custom made. That $2500 won't even come close! You give your agent a piece of your mind. He tries to tell you he asked if you needed any special items scheduled out when he wrote the policy. You don't remember that 5 year old conversation. And what does "schedule out" mean anyway? Arrgghhh. Your wife is crying over her now irreplaceable rings. Life just lost a little of its grandeur!

   What can you do to avoid that last part of the story? 

You can call your agent today and tell him you want to add scheduled personal property protection for your wedding rings! This coverage will replace specific items listed on your policy. It can be wedding rings, pendants, bracelets. You can also add SPP for pieces of art, coins, furs, books or guns. What will you need? Appraisals for each piece. You should have your item appraised every 3-5 years. Most carriers will have a guideline for how recent the appraisal must be. Policies will insure each piece, down to the penny. Appraisals should include a picture, serial numbers, descriptions and replacement value. This coverage will add to your premium, but if the unthinkable happens, it will be worth it!

Questions on your Home, Auto, or Commercial Insurance?
Contact Brockman Premier Insurance  or call toll free at 877-987-8683 today
and let us Keep You Insured!