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Have some new jewelry in the house? Protect it!

Ah, Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” - and, of course, jewelry. It’s exciting to receive jewelry from a loved one — or to give it as a gift. Not to mention romantic. But if you’re lucky enough to have some new jewelry in your Illinois or Wisconsin home this Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

Don’t know where to turn? Don’t worry. At R Hobbs Insurance Agency,  we think it is exciting to help our customers in Illinois and Wisconsin protect what’s most important to them — so we’re ready to help and can answer all of your questions.

Things to consider when insuring jewelry:

You may need to purchase additional coverage.
Your Lincolnshire, Libertyville, or Vernon Hills homeowners, condo or renters policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase blanket or scheduled personal property coverage. You can check your policy or give us a call at (847) 680-0888 or email us at chris@rhobbsinsurance.com.

You might want to reconsider your deductible amounts.
As always, this impacts your policy premium. It’s a good idea to take a look at your deductibles whenever you make a change to your policy.

Do you need an appraisal?
You may need to have an appraisal if the insurance company requires it or if you don’t know the value of your jewelry. Each item should be listed with a description and value on paper. When you get an appraisal, make sure you let the jeweler know it’s for insurance purposes.

Pictures can be helpful.
Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from.  It’s a good idea to take a picture of all your jewelry in case of a covered loss, keep the receipts too!

Of course, it’s important to store your jewelry securely when it’s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen, but we’d rather your sentimental and valuable pieces stay with you and your family for years to come.

Here’s hoping your Valentine’s Day is full of fun and romance. And if there’s no jewelry involved, well, there’s always next year!

 

Contact Us!

Illinois and Wisconsin residents, at R Hobbs Insurance Agency, we can work with you to make sure you've got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at (847) 680-0888 or send us a note at chris@rhobbsinsurance.com. We want to help you meet your goals, and make sure what's important to you is protected!

Content  Source: Safeco Insurance

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