Bling for Valentine’s Day – Make Sure It’s Covered

Written by
February 6th, 2011

engagement ringWhether you are popping the question on Valentine’s Day or perhaps giving your sweetheart a special piece of jewelry this year,  it’s important to make sure that the gift you are giving (or getting) is protected.

Documenting and protecting your jewelry

  1. Have it appraised
  2. Keep your receipt and store the appraisal with your home inventory
  3. Take a picture of it up close, keep this with the receipt and appraisal

Most homeowners policies limit coverage for personal valuables such as jewelry. Therefore, if your item is not listed on a “schedule” or “rider”, you could fall far short of replacement value if your item is lost or stolen. More on homeowners policies covering jewelry.

Here’s some help on finding an appraiser:
National Association of Jewelry Appraisers (NAJA)

How to Choose a Professional Jewelry Appraiser

Wisconsin residents interested in a free homeowners policy evaluation, contact Dan Wolfgram.



  1. With West Bend Mutual, I have a rider where my wife’s engagement ring is scheduled. Is it covered if it were to simply go missing? And, is it covered if I’m on vacation in the Caribbean?


    Comment by Tom Boudreau on February 7, 2011 at 9:14 am
  2. Hi Tom:

    Generally speaking, a rider or endorsement will provide broad coverage on jewelry. Normally speaking, it will include losing an item or if it goes “missing”. I will have your agent Tom Mack contact you to give you more details.
    Dan Wolfgram
    Personal Lines Manager, R&R Insurance Services, Inc.

    Comment by Dan Wolfgram on February 7, 2011 at 11:35 am
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