Make Sure Your Jewelry and Fine Art Is Insured
Your property insurance may not cover your jewelry or art collection!
Most carriers that provide homeowners insurance have set limits on high-value items like jewelry and fine art. That’s where scheduled personal property comes in. Scheduling an item means that you’re insuring that item for either its appraised value or the value you originally purchased that item for.
To add your jewelry and fine art to your property insurance call your agent and provide them with a copy of either an appraisal or a receipt of your purchase. You don’t need a recent appraisal but it’s best to re-appraise the item if it has been more than 5 years.
by Charles J. Greve at CJG Insurance Group
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