{"id":1010,"date":"2017-01-09T16:33:39","date_gmt":"2017-01-09T21:33:39","guid":{"rendered":"http:\/\/artinsurancenow.com\/blog\/?p=1010"},"modified":"2019-08-06T16:50:03","modified_gmt":"2019-08-06T20:50:03","slug":"things-to-know-about-coverage-for-jewelry-and-other-swag","status":"publish","type":"post","link":"https:\/\/www.artinsurancenow.com\/blog\/things-to-know-about-coverage-for-jewelry-and-other-swag\/","title":{"rendered":"Things To Know About Coverage For Jewelry And Other Swag"},"content":{"rendered":"

\"Art<\/p>\n

Your Homeowners Insurance May Cover partially What You\u2019d Pay to Replace High-Value Watches, Rings, Necklaces, Bracelets and other Items.<\/em><\/p>\n

Standard homeowners and renters insurance policies include some coverage for jewelry and other precious objects such as watches and furs. Like other possessions, high value items are covered for losses caused by all the perils included in your policy such as fire, storms, theft and vandalism.<\/p>\n

However, there are special Sub-limits of liability for certain items, simply meaning that the insurer will not pay more than the amount specified in your policy. One significant limit is for the theft of jewelry. To keep coverage affordable, because jewelry can be easily stolen, standard policies have a somewhat low limit for theft coverage, generally $500.00 to $1,500.<\/p>\n

If you own costly jewelry or other items that would be difficult to replace, there are two ways you can increase coverage: by raising the limit of liability, or by \u201cscheduling\u201d your individual pieces through the purchase of \u201cSpecial\u201d Jewelry Policy<\/a><\/strong>. Raising the limit of liability is the least expensive option in terms of insurance premium cost; however, there is generally a limit on the amount you can claim for the loss of any individual piece, say $2,000, when the overall limit is $5,000.\u00a0 We recommend buying a Blanket Jewelry policy<\/a><\/strong> which includes all your items, and in most cases the best value for your insurance dollar.<\/p>\n

Choosing the right Insurance policy is personal.\u00a0 Our Blanket policy pays claims based on current Market value and is limited to the total limit you purchase.<\/p>\n

Non-Scheduling each piece or item may cost more in premiums, but it offers broader protection because the Policy usually covers losses of any type, including accidental losses\u2014such as dropping your ring down the drain or mysterious disappearance\u2014that standard policies do not cover. All policies have conditions, limitations and exclusions. That\u2019s why, when purchasing a Jewelry policy<\/a><\/strong> you should always work with a reputable broker like Bernard Fleischer and\u00a0Sons<\/a><\/strong>. Insurance has grown increasingly complex over the years. There are literally thousands of insurance companies and policies to choose from, and new products are entering the market all the time. Plus, policies are often filled with disclaimers and insurance jargon that can confuse the average consumer. We can decipher the jargon and deliver the best protection for your valuables. For more information and a fast, free quote visit us at www.ArtInsuranceNow.com<\/a><\/strong> or call us at 1.800.921.1008<\/p>\n

\"Art<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Your Homeowners Insurance May Cover partially What You\u2019d Pay to Replace High-Value Watches, Rings, Necklaces, Bracelets and other Items. Standard homeowners and renters insurance policies include some coverage for jewelry and other precious objects such as watches and furs. Like other possessions, high value items are covered for losses caused by all the perils included … Continue reading Things To Know About Coverage For Jewelry And Other Swag<\/span> →<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[32,175],"tags":[],"yoast_head":"\nThings To Know About Coverage For Jewelry And Other Swag - Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.artinsurancenow.com\/blog\/things-to-know-about-coverage-for-jewelry-and-other-swag\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Things To Know About Coverage For Jewelry And Other Swag - Protecting Art Nationwide | Art Insurance for Artists, Galleries & Collectors from New York to California\" \/>\n<meta property=\"og:description\" content=\"Your Homeowners Insurance May Cover partially What You\u2019d Pay to Replace High-Value Watches, Rings, Necklaces, Bracelets and other Items. 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The typical per-theft claim limit is $1,000 on a homeowner policy without a schedule. That\u2019s the jewelry limit for an entire claim, not a $1,000 limit per item Homeowner policies\u2026","rel":"","context":"In "Jewelry"","img":{"alt_text":"test image","src":"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2016\/11\/Bride-Jewelry-Image.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":5174,"url":"https:\/\/www.artinsurancenow.com\/blog\/jewelry-insurance-a-to-z\/","url_meta":{"origin":1010,"position":1},"title":"Jewelry Insurance A to Z","date":"August 9, 2017","format":false,"excerpt":"In the jewelry insurance business, the word jewelry includes different sorts of adornment, such as bracelets, necklaces, rings, earrings, watches, etc. However, the meaning is often more precious than its price; a symbol of love, unforgettable memory or a significant moment in the past. 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HO policy is difficult to re-market after a loss. \"Mysterious disappearance\" claims,\u2026","rel":"","context":"In "Jewelry"","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.artinsurancenow.com\/blog\/wp-content\/uploads\/2014\/02\/Homeowner-Jewelry-Image.jpg?fit=290%2C275&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":808,"url":"https:\/\/www.artinsurancenow.com\/blog\/art-collection-insurance-program-expanded-to-include-jewelry-and-watches\/","url_meta":{"origin":1010,"position":3},"title":"Art Collection Insurance Program Expanded to Include Jewelry and Watches","date":"November 11, 2016","format":false,"excerpt":"An engagement ring can cost an average of $6,000 and up, heirloom pieces and other jewelry often have significantly higher values. Jewelry is a favorite for thieves and most often never recovered. 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Then Chubb says they are the\u2026","rel":"","context":"In "Art Insurance"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":86,"url":"https:\/\/www.artinsurancenow.com\/blog\/new-axa-jewelry-collection-policy\/","url_meta":{"origin":1010,"position":5},"title":"New AXA Jewelry Collection Policy","date":"November 25, 2013","format":false,"excerpt":"Specialty Jewelry Collections AXA Art Policy HighlightsAXA Art recently launched a specialty jewelry product for private collectors of classic antique and designer jewelry. 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