How to Buy Jewelry Insurance

Getting coverage is easier than you think. Simply follow the easy directions on this page. And the peace of mind that this insurance can buy you? Well, that’s priceless.

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    First select the item to be insured.

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    Then order an appraisal. Go to to find an appraiser located near you, who will charge an hourly rate for a report.

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    Request a personal property floater from your homeowner’s-insurance provider. This will cover the appraised items if they are lost or damaged. It will run you anywhere from $100 to $1,000 annually.

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    Store all receipts and appraisals in a fireproof box. (Hopefully, you will never need them.)

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    But if the worst should happen—your item is stolen, lost, or destroyed—you can file a claim on it.

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    File your claim as soon as possible to make sure that you’re reimbursed for the full value of your item.