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All standard homeowner policy forms including: homeowners, condominium, villa and renter policies have LIMITATIONS in the event of loss to jewelry.  All of the mentioned policy forms permit Rider/Schedule(which is itemization like appraisal) for jewelry(along with other items) added to a homeowner policy form.   There is an added cost, such $14 per thousand of value; however, then additional coverage's are added such as Mysterious Disappearance and there typically is NO DEDUCTIBLE.

For example. if a policyholder does NOT schedule/itemize a $4000 ring and the diamond falls out of ring  a standard homeowner policy provides NO coverage.  However, if the policyholder does mail the agent/producer copy of appraisal(no more than 3 yrs old) then the same loss IS covered.  We have clients with no items, others with 1 item and others with multiple pages of items.  Protecting valuable items is simply up to each policyholder, as there is simply no way an agent would know who owns what valuables.  

For more information please contact Flanigan Insurance at 314-727-6000 or email @ dflanflanins@yahoo.com 

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Flanigan Insurance Agency Inc to provide information that may be of interest. Flanigan Insurance Agency Inc is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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