Bling for Valentine’s Day – Make Sure It’s Covered
Whether 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
- Have it appraised
- Keep your receipt and store the appraisal with your home inventory
- 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)
Wisconsin residents interested in a free homeowners policy evaluation, contact Dan Wolfgram.