AP Blog

By Greg Stock, 06/20/2019
As we begrudgingly make our way through the storm season, while casting a wary eye toward the 2019 hurricane season, this is a great time to review the hazards and coverage associated with these events to make sure you are adequately prepared. The U.S. has already experienced heavy rains, flooding, hail, and...
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By Robert Esposito, 06/17/2019
Truck side guards are devices designed to keep vehicles, pedestrians and bicyclists from being injured or killed by large trucks in side-impact collisions. Side guards have been required standard equipment since the 1980s in Europe and Japan, and more recently in Brazil. They are also widely adopted in China,...
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Protecting Your New Jewelry
01/17/2017

The holidays are over and Valentine's Day is approaching, and while it may be cold outside, love is still in the air. Well, love and a few other things perhaps, such as new jewelry.

It's exciting to receive jewelry from a loved one – or to give it as a gift. Not to mention it's romantic. But if you're lucky enough to have some new jewelry in your home, you should take a few minutes to think about something you probably don't find exciting or romantic: Insurance.

Don't know where to turn? Don't worry. We think it is exciting to help our customers protect what's most important to them – so we're ready to help and can answer all of your questions.

Things to consider when insuring jewelry:

  • Purchasing additional coverage. Your homeowner's policy covers valuable items such as jewelry but only up to set amounts as stated in the policy. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage.
  • Your deductible amounts. As always, this impacts your policy premium. It's a good idea to take a look at your deductibles whenever you make a change to your policy.
  • An Appraisal.  You may need to have an independent appraisal if the insurance company requires it or if you don't know the value of your jewelry. Each item should be listed with a description and value on paper.
  • What kind of coverage is offered?  You'll want to determine if items are covered no matter where they are, like here at home, or on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can simply keep the cash settlement.
  • Pictures. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from.
  • Protecting your jewelry with a company that specializes in jewelry insurance. There are companies that specialize in jewelry insurance. Whether you choose one of these, or a company that we represent, you'll want to know they are reputable and stable.
  • Is the value of your jewelry mainly sentimental? Is an item irreplaceable? If the answer to either of these questions is "yes," you might consider foregoing insurance. But please, talk to us at before making that decision.

Of course, it's important to store your jewelry securely when it's not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it's lost or stolen, but we'd rather your sentimental and valuable pieces stay with you and your family for years to come.  To learn more about what valuables in your home are covered on your homeowners’ policy, visit AssuredPartners Personal Insurance.