Call Us 303.960.5290 ☰ ˟
  • Home
  • Personal Insurance
    • Car Insurance
    • Classic Car Insurance
    • Homeowners Insurance
    • High Value Homeowners Insurance
    • Condo/Townhome Insurance
    • Renters Insurance
    • Rental Property Insurance
    • Flood Insurance
    • Umbrella/Excess Liability Insurance
    • Builders Risk
    • Motorcycle Insurance
    • Recreational Vehicle Insurance
    • Boat and Watercraft Insurance
  • Commercial Insurance
    • Business Owners Package (BOP) Insurance
    • General Liability
    • Commercial Property Insurance
    • Commercial/Business Auto Insurance
    • Umbrella/Excess Liability Insurance
    • HOA/Homeowner Association Insurance
    • Cyber Liability/Data Breach Insurance
    • Directors & Officer Insurance
    • Apartment Building Insurance
    • Restaurant Insurance
    • DayCare Center Insurance
    • Flood Insurance - Business
    • Liquor Liability
    • Farm Insurance
    • Workers Compensation
    • Surety Bonds
  • Make A Payment
  • Blog
  • Resources
    • How Insurance works
    • 10 Steps to Starting a Small Business in Colorado
    • Insurance Glossary
    • Frequently Asked Questions
    • Why Choose a Broker
    • Privacy Policy
    • Calculators
  • About Us
    • Service You Can Expect | Denver West Insurance Brokers
    • Location
    • Testimonials
    • Contact Us
Logo (303) 960-5290


Home > Blog > Gift of Jewelry for Valentines Day?
FRIDAY, FEBRUARY 9, 2018

Gift of Jewelry for Valentines Day?

Ah, Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say, “Be Mine” - and, of course, jewelry.

 

It’s exciting to receive jewelry from a loved one — but you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

 

At Denver West Insurance Brokers, 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:

 

You may need to purchase additional coverage. Your homeowners policy covers valuable items such as jewelry only up to set amounts in certain loss situations like theft. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage or grouped jewelry coverage.

Here are some definitions of the two types of coverages mentioned above:

 

Scheduled jewelry refers to the items listed on your policy and shows the description and the specific limit of insurance for each item. Usually gives additional coverage.

Unscheduled jewelry works more for a collection of smaller-valued items like watches, for example. There is a set deductible amount and a ceiling of coverage.

You can check your policy or give us a call at (303) 960-5290 for further information.

Do you need 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.

Pictures can be helpful. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from.

Should I go 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 make sure they are reputable and stable.

 

The agents here at Denver West Insurance Brokers are hoping your Valentine’s Day is full of fun and romance. Just make sure your new jewelry is property insured against loss.

 

Posted 9:44 AM

Tags: home insurance
Share |


NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015

  • just good information(56)
  • home insurance(44)
  • auto insurance(32)
  • commercial insurance(23)
  • business insurance(22)
  • small business insurance(20)
  • homeowners insurance(16)
  • renters insurance(10)
  • car insurance(9)
  • automobile insurance(7)
  • investment property insurance(7)
  • landlord insurance(7)
  • liability umbrella insurance(5)
  • vehicle insurance(5)
  • commercial auto insurance(5)
  • life insurance(3)
  • liability insurance(3)
  • property and casualty insurance(3)
  • hoa insurance(2)
  • rental home insurance(2)
  • landlord home insurance(2)
  • professional liability insurance(2)
  • commercial liability insurance(1)
  • londlord homeowners insurance(1)
  • homeowner insurance(1)
  • commercial general liability insurance(1)
  • general liability(1)
  • home owners insurance(1)
  • commercial automodile insurance(1)
  • term life insurance(1)
  • special event insurance(1)
  • landlord homeowners insurance(1)
  • online internet store insurance(1)
  • commercial automobile insurance(1)
  • investnment property insurance(1)

View Mobile Version
Why Independent Agent?:

Because independent insurance agencies, like Denver West Insurance Brokers, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Denver and surrounding metro community, and we’re committed to doing business face-to-face and being your advocate in times of need.
Continue Reading


Logo
A Member of Alliance Ins Group
722 Washington Ave #C205
Golden, CO 80401

Ph: 303.960.5290
Fx: 303.988.8390
Logo
A Member of Alliance Ins Group
620 E. Main St.
Frisco, CO 80443

Ph: 970-930-2200
Fx: 303-988-8390


Social Social Social
Home Blog About Us Meet Us Contact Us

Powered by Insurance Website Builder