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The value of a Valentine’s day: Insure your jewelry




With Valentine’s Day just around the corner, many are looking for the perfect gift, from flowers and chocolates to diamond earrings and gold necklaces. If you are deciding on jewelry for your Valentine̵

7;s day, it is important that you also look for the perfect insurance coverage.

When you buy a fine piece of jewelry, you should check your home insurance to see what is covered. Here’s how to insure your jewelry:

  • A typical homeowner’s policy will include specific coverage and limits, depending on the policy. Check your insurance to see what is covered, such as loss or theft. In these cases, your deductible would apply.
  • Schedule jewelry on your homeowners policy. This gives you the widest coverage for an additional premium. If you choose to do this, it will cover all causes of loss except those that are specifically excluded. This coverage will pay the replacement cost of the item, and no deductible applies.

To be sure you have the right coverage, bring a detailed receipt from the purchase or have your jewelry valued. An insurance assessment should describe all the details of the piece, such as the color and weight of the gold or diamond cut, color, clarity and carat weight.

You should also check your jewelry regularly. A jeweler will catch small problems such as loose stones or worn pins before they lead to significant damage or a lost stone.

Ask your Bolder Insurance Advisor for help in understanding your insurance if you have any questions.

This article is a compliment from SECURA Insurance Company, a bold insurance partner.


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